Harsh Maheshwari

Associate Consultant

Muzaffarnagar, Uttar Pradesh, India8 yrs 9 mos experience

Highly Stable

Key Highlights

Saved Rs 70 lakh/month through process improvements.
Reduced exception cases from 70% to 20%.
Expert in mortgage operations and underwriting.

Stackforce AI infers this person is a Fintech professional with expertise in mortgage operations and process improvement.

Contact

Skills

Core Skills

Process ImprovementTeam ManagementMortgage OperationsProcess Migration

Other Skills

BankingClient coordinationControl testingCustomer ServiceData analysisDocumentationLeadershipManagementMicrosoft ExcelMicrosoft OutlookMortgage UnderwritingMortgage underwritingProblem SolvingQuality checkRoot cause analysis

About

I love diving deep into the Process in order to eliminate the bottle necks, duplication of tasks and the short comings. Not a Tech Savvy. I am into Process Improvements and Process Excellence. Saved Rs 70 lakh/month and reduced number of exception cases from 70% to 20% and errors from 50% to 10% at Royal Bank of Scotland through root cause analysis. Experienced analyst with over 7 years of experience in the banking industry. Excellent in Risk governance, Project Migration, Training, Excel, Mortgage Operations!

Experience

Accenture

Analyst

Oct 2022 – Present · 3 yrs 5 mos · Gurugram, Haryana, India

Acting Team Lead
● Control testing of US Residential Mortgage, Consumer Non Real Estate (PLOAN, credit builder, Auto loan etc.)
& Credit Card Underwriting
● Handling a team of 7 junior analysts and managing different activities for them like work allocation, appeal
tracker, training, assessments, quality check, reports, attendance tracker, SOP management etc.
● Coordinating with client regarding work status , process change, appeals, oversight, queries etc.
● Collaborating with Quality Team on various activities to stabilise the process
● Reviewing US Mortgage Underwriting with 4Cs framework
● Reviewing Income Calculation – It includes salaried income, Self-employment and Rental Income
● Reviewing Credit report - checking credit worthiness of a borrower to payback the loan amount. Evaluating
Credit report by Past Debts, Accuracy, Credit rating, Inquiries, Trade lines, and public records information
(Bankruptcy, Tax lien,and Judgments)
● Reviewing Assets, Appraisal report, Insurance & Tax documents

Control testingTeam managementQuality checkMortgage underwritingClient coordinationProcess Improvement+1

Royal bank of scotland business

CS&O Analyst at Royal Bank of Scotland (RBS)

Feb 2015 – Jun 2020 · 5 yrs 4 mos · New Delhi, Delhi, India

Mortgage Operations - Subject-matter expert (SME) in Underwriting
Acquired end to end knowledge of Mortgage operations and received training for different
mortgage processes to provide assistance during high volume periods
Continuously delivered various process improvement initiatives through root cause analysis
Saved Rs 70 lakh/month through root cause analysis by analyzing data of previous 3 months
Reduced number of exception cases from 70% to 20%
Reduced number of errors from 50% to 10%
Managed internal Quality Check (QC) along with production and kept record of every user on files for
every months
Prepared and maintained various reports to support Business on daily basis
Migrated new Mortgage-Indexing process from UK
Trained and managed 15 new joiners and discussed issues in order to provide resolution and apply
best practices
Handled Queries of the Team Members and provide resolution to them by using FCA guidelines and
underwriting knowledge
Liaised with cross functional teams for smooth operations
Assessed risk when business decisions were made to safeguarding the firm's reputation
Managed various activities within time and with 100% accuracy
Collaborated with onshore teams for various reports and new updates
Updated all relevant documents as per new updates and prepared SOP (standard operating
procedure) for the process and Knowledge Assessment Tests for the new users
Ensured timely completion of all data requests/escalations/chasing queries and there was
no SLA miss
Kept track of clearing files according to the Ops Production Cycle dates