Highly efficient results driven and capable Lead with a proven ability to effectively develop, manage, and control relationships between the company and its target audience. Having a proven track record of quickly understanding a risk and compliance campaigns mission, vision, and objective and then communicating this to potential customers. Enjoying challenging briefs & able to work to an excellent standard under considerable pressure whilst presenting a positive image to clients & colleagues.
Overview
11
11
years of professional experience
Work History
Team Lead, Investor Service Ops Controls
Ocwen Financial Solutions
Bangalore
05.2022 - Current
Supervise various projects or initiatives to investigate potential issues of non-compliance, resolve control gaps and improve risk management exposures; support project planning activities, stakeholder identification, tracking, deliverable completion, etc.
Lead coordination efforts with quality assurance validation testing process to monitor servicing operations practices to ensure they comply with applicable laws, regulation, government agencies, investor rules and internal policies.
Lead coordination of business unit audit and assessment efforts with other Ocwen risk management or control units, such as Internal Audit department, Legal, Client Relations, third parties, external auditors or Sarbanes Oxley and compliance unit as needed to avoid duplication of effort and ensure best practices are applied across the business unit
Test and validate the action plans implemented by business function managers designed to remediate self-identified risk item and control gaps in their operational processes.
Assist in the development of Operational Risk Managements validation processes, policies and procedures. This will include the development of test conditions, scripts, plans and reporting.
Manage the risk and audit tracking database on ProcessUnity to ensure that findings are entered and tracked to completion and perform validation post completion. Monitored government regulations and standards to ensure alignment with company policies and procedures
Extensive knowledge of the assigned compliance area along with the associated operations, including the related rules and regulations of the financial services industry to include: CFPB, State Law and other pertinent regulations along with GSE guidelines.
Lead Analyst, Customer Operation Compliance
Ocwen Financial Solutions
Bangalore
03.2018 - 04.2022
Analysis of data requirements specific to operational action plans, based on inputs from internal audit and testing teams, business unit subject matter experts, third party examiners, etc.
Creating Monthly Business review Dashboards and Monthly and Quarterly Servicing Risk Management Committee Dashboards.
Develop queries to extract data based on department needs
Analyze data to ensure correctness of reports created by Ocwen reporting resources and perform testing.
Create procedures based on reporting needs on PolicyTech.
Coordinate with concerned departments to obtain data/details required to respond effectively and within TAT to audit queries
Provide regular updates to management and process owners on the risk items and regulatory compliance bulletins.
Identify opportunities to automate and create efficiency within the process.
Follow up timely with internal groups to obtain all information related to testing and risk remediation.
Continually reviewing assigned work to ensure it is being completed in the most efficient manner.
Notable projects handled are Tran Refund code 1 66 and 1 64 stopped by vendor causing shortage in Escrow account. Duplicate Tax payments.
Senior Analyst, Customer Operation Compliance
Ocwen Financial Solution
Bangalore
01.2013 - 03.2018
Business process review and analysis to understand where gaps and the need for enhanced process documentation might exist.
Open, track & close all the risk items identified until remediated on ProcessUnity tool.
Development of process flows, detailing business process activities, and controls based on business unit interviews, regulatory and legal guidance and existing department artifacts
Development of control documentation, including reporting requirements, well defined QA/QC reviews, structured vendor communication points and management escalation paths
Creating dashboards as needed to fulfill management needs; ensure reporting identifies adverse trends and measures results against appropriate benchmarks
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.