Payali Ghosh

Operations Associate

Bengaluru, Karnataka, India7 yrs 10 mos experience
Highly Stable

Key Highlights

  • Expert in U.S. mortgage operations and compliance.
  • Proficient in data validation and documentation review.
  • Strong track record in process improvement and quality management.
Stackforce AI infers this person is a Mortgage Operations Specialist with expertise in compliance and quality assurance.

Contact

Skills

Core Skills

Mortgage OperationsCompliance AnalysisQuality Control

Other Skills

Residential MortgagesTitle SearchesData ValidationDocumentation ReviewQuality ManagementProcess ImprovementMerger & Acquisition CommunicationInformation SeekingMarketing ManagementProperty and Casualty InsuranceRecords ManagementLegal Document PreparationCertified Mortgage PlanningTime ManagementTeam Coordination

About

Currently working in U.S. Mortgage Pre Underwriting Team in Cognizant. Review corresponding mortgages prior to purchase. Examine conventional, FHA, VA and USDA systems. Review Fannie Mae, Freddie Mae, FHA EAD, Title, Flood Insurance, Hazard Insurance, Deed of Trust, Compliance Certificate, Tax 4506T, all Mortgage Documents for funding. Develop a Core Logic Loan Safe Fraud Report. Examination of the loan and addition of a condition for any deficiencies or missing documentation. Evaluate the risk Involve the approval of a loan and verify whether it is acceptable by lender or investor guide or not. Maintain TAT, Accuracy of file and Service Level Standard.

Experience

7 yrs 10 mos
Total Experience
7 yrs 7 mos
Average Tenure
3 mos
Current Experience

First american (india)

Senior Process Associate

Feb 2026Present · 3 mos · Bengaluru, Karnataka, India

Cognizant

2 roles

Senior Process Executive

Promoted

Jul 2017Jan 2025 · 7 yrs 6 mos · Greater Kolkata Area

Residential MortgagesTitle SearchesMortgage OperationsCompliance Analysis

Process Executive

Jun 2017Jul 2019 · 2 yrs 1 mo · Greater Kolkata Area

Cognizant technologies solutions india pvt ltd.

Senior Process Executive

Jun 2017Jan 2025 · 7 yrs 7 mos

  • Process & Operations Support: Hands-on experience supporting US mortgage backend operations, including data validation, documentation review, and structured reporting. Quality & SLA Management: Strong adherence to QA/QC guidelines, SLA targets, and compliance requirements with consistent high-quality output. Problem Resolution: Identified and resolved data discrepancies through process checks and cross-team coordination, helping reduce rework and delays. Communication & Coordination: Clear and professional email and chat communication with internal teams and stakeholders to address process-related queries. Client Support Orientation: Exposure to client-facing support via email communication while maintaining confidentiality and service standards. Process Improvement: Contributed to workflow improvement initiatives that enhanced turnaround time and operational accuracy. Training & Knowledge Sharing: Supported onboarding and guided new team members on process guidelines, quality expectations, and documentation practices. Tools & Documentation: Proficient in MS Excel and MS Word for reporting, tracking, and documentation; working exposure to Netronline and US county databases. Web Chat & Email Support: Provided real-time web chat and email-based support for international (US) process operations, responding to queries within defined TAT and SLA while maintaining accuracy and confidentiality.
Data ValidationDocumentation ReviewQuality ManagementProcess ImprovementMortgage OperationsQuality Control

Education

SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Master of Business Administration - MBA

Dec 2020Dec 2022

University Of North Bengal

Bachelor of Arts - BA — English Language and Literature/Letters

Jun 2009Jun 2012

NMIMS CDOE

Master of Business Administration

North Bengal University

Bachelor of Arts — English Literature (British and Commonwealth)

Stackforce found 100+ more professionals with Mortgage Operations & Compliance Analysis

Explore similar profiles based on matching skills and experience