Subal Barui
Summary
Results-oriented professional with over eight years of experience in BFSI, F&A, and mortgage underwriting quality assurance. Specializes in process management, client service, MIS governance, and cross-functional coordination. Known for delivering accuracy, enhancing client satisfaction, and driving operational improvements. Possesses strong analytical skills and leadership in subject matter expertise and quality control.
Overview
2027
2027
years of professional experience
6
6
years of post-secondary education
Work History
Senior Process Associate
TATA Consultancy Services
02.2018 - Current
- Reviewed and analyzed mortgage loan applications in line with Us mortgage guidelines (Conventional FHA, VA).
- Assessed borrower eligibility by evaluating income, credit history, assets, and employment documents.
- Performed risk assessment to determine loan approval or denial.
- Verified documents such as pay stubs, W-2s, bank statements, and tax returns.
- Ensured compliance with underwriting standards and regulatory requirements.
- Worked on tools like Encompass /LOS systems (mention actual tools if you used any).
- Coordinated with processors clients, and third parties to resolve discrepancies.
- Maintained quality and accuracy while meeting SLA and TAT targets.
- Handled escalations and supported team as SME for process-related queries.
- Trained new team members and conducted quality checks.
F&A: Procure-to-pay process
TATA Consultancy Services
- Managed end-to-end Procure-to-Pay (P2P) cycle including invoice processing, verification, and payment.
- Processed vendor invoices (PO & Non-PO) ensuring accuracy and compliance with company policies.
- Performed 2-way and 3-way matching (Invoice, PO, GRN).
- Handled vendor master data and resolved invoice discrepancies.
- Coordinated with procurement and vendors for query resolution.
- Monitored payment cycles and ensured timely vendor payments.
- Worked on ERP systems like SAP/Oracle (mention actual tool if used).
- Performed account reconciliation and maintained AP aging reports.
- Ensured adherence to SLA, TAT, and quality standards.
- Supported audits and maintained proper documentation for compliance.
Mortgage Underwriting
TATA Consultancy Services
- Managed mortgage loan funding process ensuring timely and accurate disbursement of funds.
- Reviewed closing documents and verified funding conditions prior to loan release.
- Coordinated with title companies, escrow agents, and internal teams for smooth fund transfer.
- Processed funding requests and ensured compliance with lender guidelines.
- Performed mortgage accounting activities including journal entries, GL reconciliation, and fund balancing.
- Monitored and resolved funding discrepancies and exceptions.
- Worked on post-closing activities such as document validation and audit checks.
- Ensured adherence to SLA, TAT, and quality standards.
- Supported audits by maintaining accurate financial and funding records.
- Acted as SME for funding and accounting-related queries and trained new team members.
Education
B.com(Honours) - Accountancy
Maulana Azad college (CU)
05.2012 - 04.2016
Class 12 - Commerce
Birati Mohajati Vidyamondir(H.S)
05.2010 - 04.2012
Skills
- Process Management
- Client service management
- Quality Control & Compliance
- Mortgage accounting
- Financial Reconciliation
- Invoice processing
- Invoice Verification
- Document Verification
- MIS & Reporting
- Trend analysis
- MS Excel
- MS PowerPoint
- Team Coordination & Training
- Team leadership
- Team building
- Quality check
- Expense Management
Accomplishments
- Awarded Employee of the Year - 2021 for exceptional performance.
- Multiple recognitions as Employee of the Month (2018, 2019, 2020, 2023, 2024).
- Consistent Employee of the Week winner across several months.
- Frequently featured on the Wall of Fame for continuous high performance.
- Received several WOW Performance appreciations from clients and leadership.
- Successfully handled SME responsibilities, team oversight, and training initiatives.
- Contextual Master Certificate.
Hobbies and Interests
- Playing Football
- Playing Cricket
Languages
- English
- Hindi
- Bengali
Timeline
Senior Process Associate
TATA Consultancy Services
02.2018 - Current
B.com(Honours) - Accountancy
Maulana Azad college (CU)
05.2012 - 04.2016
Class 12 - Commerce
Birati Mohajati Vidyamondir(H.S)
05.2010 - 04.2012
F&A: Procure-to-pay process
TATA Consultancy Services
Mortgage Underwriting
TATA Consultancy Services