Tuhin Ghosh
Senior Process Associate
Kolkata
Summary
Dynamic Financial Credit Analyst with extensive experience at Tata Consultancy Services Pvt. Ltd., excelling in credit risk assessment and financial statement review. Proven ability to enhance operational efficiency and customer satisfaction through effective teamwork and problem-solving. Adept at utilizing Microsoft Excel for data analysis, ensuring compliance, and driving process improvements.
Professional banking professional with extensive experience in operations and process optimization. Known for reliable team collaboration and flexibility to adapt to changing needs. Strong analytical skills and communication abilities consistently contribute to achieving results.
Overview
9
9
years of professional experience
1
1
Certification
3
3
Languages
Work History
Financial Credit Analyst
Tata Consultancy Services Pvt. Ltd.
02.2022 - 02.2026
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Validating Canadian client's APs & ARs statements for loan approval accuracy.
- Training new associates financial and process related ares.
- Supporting Clients query and operation over microsoft teams.
Banking Operations Specialist
Tata Consultancy Services Pvt. Ltd.
04.2018 - 01.2022
- Improved risk management with diligent monitoring of financial transactions for potential fraud or suspicious activity.
- Enhanced customer satisfaction by efficiently processing transactions and addressing inquiries.
- Contributed to business growth through active involvement in process improvement by providing different methodology.
- Reduced operational errors by conducting thorough audits and providing staff training.
- Managed cross-functional teams to successfully complete complex projects within the banking sector.
- Developed comprehensive reports on operations performance, providing valuable insights for decision-making processes.
- Assisted customers with account set-up and maintenance, ensuring accurate and up-to-date records at all times.
- Implemented cost-saving measures, effectively reducing operational expenses without compromising service quality.
Mortgage Loan Processor
Tata Consultancy Services Pvt. Ltd.
01.2017 - 03.2018
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Communicated with originator and applicant concerning progress of loan file.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
Education
Bachelor of Science - Computer Science
University of Calcutta
Kolkata, India 04.2001 -
Skills
Credit analysis
Credit reporting
Microsoft Excel proficiency
Financial statement review
Data analysis
Credit risk assessment
Ability to adjust to new challenges
Problem-solving
Teamwork and collaboration
Team building
Excellent communication
Adaptability and flexibility
Team collaboration
Certification
Generative AI
Timeline
Generative AI
11-2025
Financial Credit Analyst
Tata Consultancy Services Pvt. Ltd.
02.2022 - 02.2026
Banking Operations Specialist
Tata Consultancy Services Pvt. Ltd.
04.2018 - 01.2022
Mortgage Loan Processor
Tata Consultancy Services Pvt. Ltd.
01.2017 - 03.2018
Bachelor of Science - Computer Science
University of Calcutta
04.2001 -