SUBHRA SAHA
Underwiring Analyst
New Delhi
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
6
6
years of professional experience
Work History
Underwriting Analyst
Better Mortgage
02.2021 - 05.2022
- Deeply analyzing mortgage statement, change in any circumstances, additional inquiries or credit line, Verification of SSN number and MERS report of Borrowers
- For conditional approval of loan file and making decision-based on validation of documents and calculations of ratios like DTI, LTV, CLTV, HCLTV, HTI
- Performed various tasks including analysis, calculation, documentation, risk management, training, and making overall process flow stronger
- Desktop Underwriting/ System automated underwriting
- Established proper coordination mechanism between banks, credit agencies, and other third parties
- Evaluated overall loan and credit needs of borrower, Considered all aspects of their financial background concerning policies and regulations
Sr Analyst
Moneycare Control
08.2020 - 12.2020
- Analysis of Credit report of individuals and provide them appropriate solution for debt management
- Assist Customers on Call, Chats and Email for their Debt Settlements
- Discovered root causes of problems and identified appropriate solutions.
Business Development and Operations
Oyo Rooms
11.2019 - 02.2020
- Cross-functional approach through coordination with multiple teams in inter and Intra geographies
- Analysis and maintain report on individual Hotels, Drive plan by ensuring content, inventory, quality and prices as per industry standards
- Identifying and finalizing new properties, and for maintaining relationship with all stakeholders to run these properties profitably
- Responsible for end-to-end business development of assigned area; includes planning and building short-term and long-term supply
- Developed and implemented performance improvement strategies and plans to promote continuous improvement
Assistant Manager
KTC India Pvt Ltd
03.2017 - 07.2019
- Project KTC Connect: Effectively running Web portal for Online Bookings through Api System Integration from International Suppliers
- Marketing of booking engine through Social Media and Events
- Keeping Track on Financial Module and maintaining ROE for suppliers
- Error Rectification in system and providing resolution through tech partners
- Taking Care of Legal Formalities of Agreements and Contracts
- Co-Ordination with Internal Marketing, Finance, Sales and Outsourced IT Team for Smooth Portal update and Drive UAT
- Process Training for Internal Team and Portal Training for External B2b Agents
Sr Relationship Officer
Make My Trip India
Gurgaon
04.2015 - 02.2017
- Managing Holiday Experts, Handling team of 15-20 Holiday Experts and taking care of operation Processes
- Tracking Sales from Team Members, Error free updation of bookings made on Navision/CRM, Hold bookings on,
- Coordinating with central operations team, Managing Domestic and International suppliers
- Develop distribution channel by compressive Sales target achievement through channel and relationship management
Education
MBA - Finance
EIILM
Sikkim 07.2010 - 06.2012
B Sc -
N.B.U
Coochbehar 06.2006 - 05.2009
12th -
Kendriya Vidyalaya
Coochbehar 04.2022 - 05.2006
10th -
Kendriya Vidyalaya
Coochbehar 04.2002 - 04.2003
Skills
Communication skills
Excel, Jira
Risk management
Organization and Time Management
Team Player
Timeline
12th -
Kendriya Vidyalaya
04.2022 - 05.2006
Underwriting Analyst
Better Mortgage
02.2021 - 05.2022
Sr Analyst
Moneycare Control
08.2020 - 12.2020
Business Development and Operations
Oyo Rooms
11.2019 - 02.2020
Assistant Manager
KTC India Pvt Ltd
03.2017 - 07.2019
Sr Relationship Officer
Make My Trip India
04.2015 - 02.2017
MBA - Finance
EIILM
07.2010 - 06.2012
B Sc -
N.B.U
06.2006 - 05.2009
10th -
Kendriya Vidyalaya
04.2002 - 04.2003