Verification of Employment: Ensure the payslips are from a legitimate employer
Check the company name, address, and contact details
Income Assessment: Calculate the applicant’s gross and net income from the payslips
Ensure consistency across multiple payslips, typically reviewing at least two to three recent ones
Income Type: Identify whether the income is base salary, overtime, bonuses, commissions, or other types
Ensure any variable income is stable and documented
Employment History: Confirming stable and sufficient employment or income sources
Self-employed borrowers may need to provide additional financial documentation like profit/loss statements
Pay Frequency: Confirm the pay frequency (weekly, bi-weekly, monthly) and convert the income to an annual figure if necessary for comparison against debt ratios
Deductions: Review deductions on the payslips (e.g., taxes, insurance, retirement contributions) to understand the applicant’s net take-home pay
Consistency and Trends: Look for consistency in earnings over time
Note any trends, such as fluctuations in income that may indicate instability
Additional Documentation: If there are discrepancies or irregularities, request additional documentation (e.g., tax returns, W-2s) for verification
Red Flags: Watch for signs of potential fraud, such as altered payslips, missing employer information, or unusually high income without corresponding documentation
Compliance Check: Ensure that the income reported aligns with the lender’s guidelines for qualifying income
Debt-to-Income Ratio (DTI): Calculating the DTI ratio to determine if the borrower can manage monthly mortgage payments along with existing debt
Property Value Assessment: Ordering a home appraisal to ensure the property’s value is equal to or greater than the loan amount
Final Assessment: Integrate the findings from the payslip review into the overall assessment of the applicant’s financial situation and creditworthiness.
SENIOR SYSTEM ENGINEER
COGNIZANT TECHNOLOGY SOLUTIONS
02.2022 - 03.2023
Providing answers to supplier queries regarding procurement procedures, prerequisites, and the submission of bids or proposals
Providing guidance and clarification regarding the procurement policies and procedures of the organization
Assisting in the creation, modification, and maintenance of purchase orders, contracts, and other procurement-related documents
Offering technical assistance for procurement-related matters
Addressing and resolving any issues or disputes that may arise during the procurement process, such as delays, quality concerns, or payment disputes
Generating reports and conducting data analysis pertaining to procurement activities
Ensuring that procurement practices comply with legal and regulatory requirements, as well as internal protocols
Soliciting feedback from users of the procurement support services to continuously enhance processes and service quality
Monitoring and evaluating supplier performance to guarantee compliance with contractual obligations and the delivery of high-quality goods or services
Handling and escalating urgent or complex procurement issues to higher authorities when necessary
Customizing and configuring the ServiceNow platform to align with IT service desk procedures, encompassing incident management, request fulfillment, and problem resolution
Receiving, logging, categorizing, prioritizing, and assigning incident and service request tickets via the ServiceNow system
Ensuring the timely resolution or escalation of issues in accordance with service level agreements (SLAs).
CONTRACTOR – SERVICE DESK ANALYST
SCORG INTERNATIONAL PVT LTD
03.2021 - 02.2022
Respond promptly and professionally to inquiries, emails, and phone calls from internal staff, suppliers, and vendors regarding procurement processes, policies, and procedures
Provide guidance and assistance to stakeholders in navigating procurement systems and platforms
Investigate and resolve procurement-related issues, discrepancies, and disputes in a timely manner
Collaborate with the procurement team to resolve complex problems and ensure satisfactory outcomes
Maintain accurate records of procurement inquiries, issues, and resolutions
Identify opportunities for process improvement and contribute to the enhancement of procurement support services
Provide feedback to the procurement team to streamline processes and improve overall efficiency
Provide step-by-step instructions and guidance to users to prevent future issues
Maintain accurate records of account unlock and password reset activities, including ticket details and resolutions
Implement and enforce security measures, including encryption, remote wipe, and conditional access policies
Maintain detailed documentation of Intune configurations, policies, and procedures
Generate reports on device compliance, security incidents, usage analytics, password-related incidents and trends
Configure and customize the ServiceNow platform to align with IT service desk processes, including incident management, request fulfillment, and problem resolution
Receive, log, categorize, prioritize, and assign incident and service request tickets via ServiceNow
Ensure timely resolution or escalation according to service level agreements (SLAs)
Document common issues and solutions for reference by the IT service desk team and end-users
Utilize ServiceNow for asset tracking and management, including hardware and software inventory.
SR. ASSO – TECHNICAL SUPPORT
TECH MAHINDRA LIMITED
12.2018 - 12.2019
Provide initial technical assistance for NBN-related problems, including connectivity issues and equipment setup, and escalate issues to NBN Co or service providers when necessary
Coordinate technician assignments for modem box and electrical issues, and ensure timely issue resolution
Respond to user inquiries through phone, email, or ticketing system regarding NBN concerns
Offer guidance to end-users on NBN modem setup, Wi-Fi configuration, and troubleshooting, addressing connectivity issues
Diagnose and resolve NBN connectivity problems, including router configuration, network congestion, and line quality
Collaborate with users to identify potential in-home network interference or problems
Maintain detailed records of service requests, troubleshooting, and resolutions
Document common issues and solutions for reference by the service desk team
Stay updated on NBN technology, service plans, and maintenance schedules
Share NBN-related knowledge and updates with the IT service desk team
Communicate with end-users to ensure satisfactory resolution of NBN-related issues
Monitor and report on NBN service performance and reliability.
SENIOR ENGINEER
CSS CORP PRIVATE LIMITED
04.2017 - 10.2018
PROJECT 2: ACCOUNT MANAGEMENT HELP DESK
Create, modify, and deactivate user accounts based on organizational policies and access requests
Ensure the accuracy and completeness of user profiles, including role-specific permissions and group memberships
Implement and enforce access control measures to protect sensitive data and systems
Monitor and manage user access privileges, including regular access reviews and audits
Assist users with password resets, account unlocks, and authentication issues
Ensure timely removal of access privileges for terminated or inactive users
Enforce security policies, standards, and procedures related to account management and access control
Collaborate with the security team to address vulnerabilities and security incidents
Maintain detailed records of account-related activities, access changes, and incidents
Generate reports on access control compliance and account management activities
Provide training and guidance to end-users and staff on account management and security practices
Collaborate with the incident response team to mitigate risks and implement corrective actions
PROJECT 1: TECHNICAL SUPPORT HELP DESK
To be the initial contact for Vonage employees seeking technical help with cloud communication and unified communication services
Address inquiries through phone, email, or ticketing system and provide clear solutions
Diagnose and fix problems with Vonage's cloud communication tools, VoIP services, and unified communication apps
Resolve hardware and software issues on user devices impacting communication services (computers, phones, headsets, etc.)
Assist users with Vonage service setup, including profiles, call routing, and integration with other communication tools
Maintain detailed service request records, incident reports, and resolutions
Document common problems and solutions for reference by the service desk team and end-users
Staying updated on Vonage's products, services, and industry trends in cloud communications
Share updates and knowledge with the IT service desk team and provide training as needed
Communicate with end-users after issue resolution to ensure satisfaction and service performance
Monitor and report on the reliability and performance of Vonage communication services.
CONSULTANT
SUTHERLAND GLOBAL SERVICES
08.2015 - 07.2016
Handle passenger name records, assist with bookings, seat assignments, and requests while ensuring compliance with airline policies
Aid passengers with frequent flyer program queries, including miles, tiers, and promotions
Guide passengers through web check-in, address issues, and provide boarding passes
Resolve web check-in issues, answer passenger inquiries professionally, and maintain excellent service standards
Provide accurate and current flight details, including schedules, delays, and gate changes
Maintain detailed passenger interaction records, ensuring compliance with policies and regulations
Log customer inquiries and categorize them in the ticketing system for efficient handling
Track ticket progress, follow up on open tickets, and generate reports on key metrics
Address escalated concerns with a focus on retaining and satisfying customers
Share customer insights with relevant teams to improve product or service quality and contribute to knowledge base updates.