✅ Education
MBA (Finance), scored 71%
B.Sc. (Physics), University of Calcutta, scored 45% - super low - mostly due to interest loss
Certified in Data Analysis (NASSCOM certificate), currently pursuing
GMAT FOCUS 725
✅ Work Experience — 4+ years in US BANK
🔷 Current Role: Asset, Collateral, and Customer Service Team (since Aug 2022)
Researches quantitative borrower data (bank statements, retirement accounts, mutual funds, stocks, CDs, real estate transactions) for 25+ loan applications/day to assess risk.
Investigates borrower business ownership & fraud prevention (business licenses, CPA letters, tax filings).
Monitors borrower accounts to trace funding sources for down payments, EMIs, liabilities.
Reviews title reports to mitigate risks (tax liens, encroachments, liabilities).
Reviewing borrower credit report and access debt part
Calculation of income for employed and self employed borrower
Calculation LTV, DTI , FICO ratios
Consults brokers, realtors, and clients to recommend suitable loan products.
Resolves escalations & client queries across chat, email, and phone channels.
Managed automation & UAT testing of a checklist process, boosting efficiency by 25% and reducing errors.
Mentored team members & collaborated on training a customer service AI to improve borrower experience.
Mitigates risks for ~900 loans/month, worth millions of dollars.
🔷 Previous Roles
Project Coordinator
Acted as point of contact for US-based clients, delivering tailored solutions.
Coordinated with design, development, and marketing teams to deliver products.
Managed Jira boards, supervised product launches, gathered client feedback for improvement.
Led projects & ensured SLA adherence.
Collateral Analyst (Jan 2021 – Aug 2022)
Reviewed title reports to verify property ownership & detect pending liens.
Assessed risk by reviewing deeds, survey maps, subordination agreements, trust documents.
Verified KYC documentation of borrowers & owners.
✅ Leadership & Projects
Handled team of 15 employees during projects.
Drove process automation project to improve review turnaround time and borrower satisfaction.
Contributed to marketing campaigns, event coordination, and customer service enhancements alongside US teams.
✅ Mentorship & Social Impact
Mentored 17+ underprivileged students online through FEA on career planning.
Conducted rural mentorship program in a village on employability skills & visualization exercises.
Organized programs, raised funds & sponsorships during MBA.
✅ Other Activities
Recently joined Toastmasters Club and represented at the Area Level.
✅ Career Goals
Targeting ISB, IIM Ahmedabad, XLRI, BITSOM for MBA in Finance/Strategy/Consulting/Product Management.
can you please check and siggest, my UG score super low. applying next year by that experience will be 5 years