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Vinay Thangwal
Delhi
Work Preference
Summary
Experienced Banking Operations and Compliance Professional with an MBA and strong background in commercial lending, risk mitigation, and dispute resolution. Skilled in loan processing, credit documentation review, and regulatory compliance (AML, KYC, FCRA, FDCPA). Excels in high-pressure environments and effectively manages cross-functional workflows to achieve productivity and accuracy targets.
Overview
5
5
years of post-secondary education
4
4
years of professional experience
Work History
Senior Analyst - Commercial Lending & Business Banking Operations (BOQ Process)
Capgemini
Noida
02.2026 - Current
- Managed end-to-end processing of Commercial Lending and Business Banking applications, ensuring strict compliance with BOQ credit policies, regulatory requirements, and service-level agreements (SLAs) (referenced from 50307.jpg).
- Conducted comprehensive verification and assessment of loan documentation, financial statements, customer profiles, and supporting records to facilitate accurate credit decision-making (referenced from 50307.jpg).
- Performed detailed quality assurance and compliance reviews, ensuring ironclad adherence to AML, KYC, risk management, and banking governance standards (referenced from 50307.jpg).
- Collaborated with Relationship Managers, Credit Analysts, Lending Specialists, and internal stakeholders to resolve application exceptions and accelerate loan approval timelines (referenced from 50310.jpg).
- Maintained and updated customer, lending, and collateral information across multiple banking platforms while ensuring data integrity and confidentiality (referenced from 50310.jpg).
- Supported commercial loan origination, account maintenance, credit administration, and post-settlement servicing activities throughout the lending lifecycle (referenced from 50310.jpg).
- Analyzed application data and documentation to identify discrepancies, mitigate operational risks, and ensure complete regulatory compliance (referenced from 50310.jpg).
- Consistently achieved productivity, accuracy, and quality targets within a high-volume, deadline-driven banking operations environment (referenced from 50310.jpg).
- Contributed to process improvement initiatives that enhanced operational efficiency, reduced processing turnaround times, and improved customer experience (referenced from 50310.jpg).
Complaint Analyst
EXL
Noida
04.2024 - 11.2025
- Acted as a Complaint Analyst in the Banking and Finance domain, investigating and resolving U.S. customer complaints related to third-party debt collection, including disputes, validations, fraud, and identity theft.
- Categorized customer complaints from various channels including calls, letters, emails, and chat based on client issue types.
- Conducted detailed investigations using account records, payment histories, transaction reports, supporting documents, and credit bureau data to evaluate allegations impartially.
- Ensured compliance with U.S. debt collection and credit reporting regulations, including FCRA and FDCPA, to maintain industry standards and protect customer rights.
- Collaborated with corporate attorneys, IT teams, and support departments to gather data for thorough and accurate case assessment.
- Recognized by leadership for delivering fair, transparent, and well-documented decisions that maintained high accuracy in dispute resolution.
Product Analyst
Tech Mahindra
Noida
12.2023 - 03.2024
- Evaluated Amazon product listings for compliance with customer requirements, marketplace policies, and content quality standards.
- Assessed and approved product listings for Sponsored Listings, enhancing Amazon's advertising initiatives and content quality.
- Evaluated and analyzed Amazon product listings to ensure compliance with customer requirements, marketplace policies, and content quality standards.
Customer Service Representative & Supervisor
HCL Technologies
Noida
05.2022 - 11.2023
- Delivered customer service to Pearson VUE exam candidates, resolving inquiries and ensuring compliance with data protection and company policies.
- Supported Payment Helpdesk operations by processing payments and addressing billing issues, while managing chargebacks and fraud cases to maintain operational integrity.
- Supervised escalated calls, monitored team performance, and provided coaching to improve service quality.
- Supported Payment Helpdesk operations by processing payments, addressing billing issues, and managing chargebacks and fraud cases.
Education
MBA - Strategic Management
University of Delhi
Delhi 07.2023 - 07.2025
Bachelor of Commerce -
University of Delhi
Delhi 07.2020 - 06.2023
Skills
- Commercial Lending
- Business Banking
- Loan Processing
- Credit Administration
- Risk Analysis
- Regulatory Compliance
- AML
- KYC
- FCRA
- FDCPA
- Case Management
- Cross-functional Collaboration
- Stakeholder Communication
Core Skills
Commercial Lending, Business Banking, Loan Processing, Credit Administration, Account Maintenance, Risk Analysis, Regulatory Compliance, AML, KYC, FCRA, FDCPA, Quality Assurance, Complaint Investigation, Fraud & Chargeback Resolution, Data Analysis, Case Management, Cross-functional Collaboration, Multitasking & Time Management, High-volume Multi-channel Communication (Calls, Emails, Chats, SMS)
Languages
Hindi
First Language
English
Advanced
C1
Timeline
Senior Analyst - Commercial Lending & Business Banking Operations (BOQ Process)
Capgemini
02.2026 - Current
Complaint Analyst
EXL
04.2024 - 11.2025
Product Analyst
Tech Mahindra
12.2023 - 03.2024
MBA - Strategic Management
University of Delhi
07.2023 - 07.2025
Customer Service Representative & Supervisor
HCL Technologies
05.2022 - 11.2023
Bachelor of Commerce -
University of Delhi
07.2020 - 06.2023