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Kunal Bhanja

@kunalbhanja

Mortgage operations team lead at Cognizant who improved productivity by 35% and reduced operational defects by 60%.

At Cognizant Technology Solutions, I led a residential mortgage default servicing team and managed foreclosure support operations, including referrals, property preservation, and exception handling. I improved productivity by 35%, reduced operational defects by 60%, and maintained 100% SLA compliance.

At Tata Consultancy Services, I supported US mortgage origination, mortgage insurance, and loss draft operations. I processed 500+ loss draft transactions in one month with 100% accuracy and supported pre-funding and post-funding audits, employment verification, document review, and conditions clearing.

Experience

Work history, roles, and key accomplishments

Operations Team Lead

Cognizant Technology Solutions

Apr 2021 - Jun 2026 (5 years 2 months)

Led a residential mortgage default servicing team of 16 associates and 3 SMEs, ensuring delivery against productivity, quality, and SLA targets. Improved productivity by 35% and reduced defects by 60% through process optimization and quality initiatives.

U.S. Mortgage Operations Default Servicing Foreclosure Team Leadership Workforce Planning Performance Management SLA Management Quality Assurance Root Cause Analysis Process Improvement MIS Reporting Excel SQL Power BI

SME / Backup Team Lead

Tata Consultancy Services

Apr 2015 - Apr 2021 (6 years)

Supported US Mortgage Origination, Mortgage Insurance, and Loss Draft operations for major mortgage servicing clients. Managed loss draft document and claim-check processing for Wells Fargo, Nationstar, PHH, and PNC portfolios.

U.S. Mortgage Operations Mortgage Origination Mortgage Insurance Loss Draft Processing Pre Funding Review Post Funding Reviews Employment Verification Document Review Conditions Clearing Credit Review SLA Management Training Mentorship Reporting

Accounts Assistant

Eastern Metec Pvt. Ltd.

Jun 2010 - Apr 2015 (4 years 10 months)

Managed Accounts Payable, Accounts Receivable, vendor payments, reconciliations, and tax records. Supported accounting operations and direct and indirect taxation activities.

Accounts Payable Accounts Receivable Vendor Payments Reconciliations Tax Records Direct Taxation Indirect Taxation