Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Vijayalakshmi Rajesh

Vijayalakshmi Rajesh

Bangalore

Summary

Senior Business Analyst with 15+ years of cross-functional expertise in Salesforce implementations, underwriting, mortgage processing, and credit analysis. 2-5 years of business analysis experience in commercial insurance, focusing on underwriting, claims, and policy administration. Detail-oriented Underwriter with 12+ years of experience in commercial lending and investment underwriting. Skilled in risk assessment, financial analysis, and regulatory compliance. Deep domain knowledge in Insurance, Banking, and Financial Services. Experienced in Agile/Scrum environments. Proficient in converting complex business requirements into actionable solutions using Salesforce, legacy modernization, and robust documentation. Perceptive in driving successful business processes and maximizing key performance metrics for business expansion. Utilizes macro and micro-scale analyses to generate holistic images of ongoing business operations for immediate actionability.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Senior Business Analyst

SLK Software Systems
12.2023 - Current
  • Spearheaded multiple Salesforce enhancement projects for insurance clients.
  • Gathered business requirements, created BRDs/FRDs/RTMs, and maintained Jira.
  • Converted requirements to user stories and worked closely with developers.
  • Participated in all Scrum ceremonies and led sprint planning sessions.
  • Created and reviewed use cases, UML diagrams, and process flows using Visio.
  • Key Projects:
  • CNA : Led migration to Guidewire; conducted process mapping (As-Is & To-Be) and legacy system analysis, performed QA and Tech Lead Role, participate in grooming session, liaison with Business heads.
  • NYL: Focused on implementing Salesforce updates and end-user story execution.
  • Accredited Insurance: Improved claims and Bordereau processes; created documentation in SharePoint and Visio.
  • Clients: New York Life (NYL), Accredited Insurance, CNA Insurance

Mortgage Analyst

Ocwen Financial Services
01.2002 - 02.2028
  • Processed residential and commercial mortgage applications.
  • Coordinated with underwriters and clients to ensure documentation completeness.
  • Ensured compliance with U.S. mortgage regulations and servicing standards.
  • Worked on US Subprime Mortgage.

Senior Credit Officer

Commonwealth Bank of Australia
01.2023 - 12.2023
  • Credit Assessment: Review and analyze loan applications, financial statements, and other relevant documents to assess the creditworthiness of clients.
  • Risk Management: Identify potential credit risks and develop strategies to mitigate them.
  • Policy Adherence: Ensure all credit decisions comply with internal policies and regulatory standards.
  • Stakeholder Collaboration: Work closely with relationship managers, risk teams, and other departments to ensure cohesive credit risk management.
  • Reporting: Prepare detailed reports on credit assessments, risk evaluations, and portfolio performance for senior management.
  • Actively involved in Process Improvements and process mapping along with the development team.

Credit Officer (Underwriter)

Australian and New Zealand Bank (ANZ)
02.2010 - 08.2012
  • Credit Assessment: Evaluate loan applications by analyzing financial statements, credit histories, and other relevant data to determine the applicant's creditworthiness.
  • Policy Application: Apply ANZ's lending and credit policies to ensure compliance and consistency in decision-making.
  • Risk Mitigation: Identify potential risks associated with loan applications and recommend appropriate actions to mitigate these risks.
  • Stakeholder Collaboration: Work closely with relationship managers, risk teams, and other departments to ensure cohesive credit risk management.

Underwriting and Funding Officer

ISGN
03.2008 - 04.2010
  • Analyze mortgage loan applications, including credit reports, income statements, and property appraisals, to assess borrower eligibility.
  • Evaluate potential risks associated with loan approvals and make decisions to mitigate those risks.
  • Ensure all underwriting decisions comply with internal policies, regulatory requirements, and industry standards.
  • Work closely with loan officers, processors, and other team members to facilitate smooth loan processing and disbursement of funds.

Education

B.COM -

Bangalore University

PG Diploma - undefined

Software Management

Skills

  • Salesforce
  • Guidewire
  • Agile frameworks
  • Scrum
  • Kanban
  • JIRA
  • Confluence
  • MS Visio
  • PowerPoint
  • Power BI
  • MySQL
  • Reports & Dashboards
  • Lucid chart
  • Debugging
  • Unit Testing

Certification

  • In-depth understanding of commercial lines products such as General Liability, Commercial Auto, and Workers Compensation.
  • Experience in all phases of SDLC, from requirements gathering to post-implementation support.
  • ANIS (Associate in Insurance)
  • CAD
  • PG Diploma in Software Management
  • L1 Certified in Property and Casualty Insurance
  • ChatGPT Basics Certification, GenAI Ninja Training

Timeline

Senior Business Analyst

SLK Software Systems
12.2023 - Current

Senior Credit Officer

Commonwealth Bank of Australia
01.2023 - 12.2023

Credit Officer (Underwriter)

Australian and New Zealand Bank (ANZ)
02.2010 - 08.2012

Underwriting and Funding Officer

ISGN
03.2008 - 04.2010

Mortgage Analyst

Ocwen Financial Services
01.2002 - 02.2028

PG Diploma - undefined

Software Management

B.COM -

Bangalore University

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