Malaya Kumar

Results-driven Software Test Analyst and Business Analyst with 10+ years of experience in software testing, including 4.5 years of experience in the US Mortgage domain with hands-on expertise in Encompass and Empower Loan Origination Systems (LOS). Experienced in manual testing, functional testing, integration testing, regression testing, UAT, requirements analysis, business process analysis, defect management, and application configuration. Seeking a challenging opportunity to leverage testing, business analysis, mortgage domain, and application expertise to deliver high-quality software solutions, improve business processes, and contribute to organizational success while continuously expanding technical and functional capabilities.

Test Analyst at Constellation Technology Pvt Ltd (2022-10 – 2026-05)

Analyzed business requirements, functional specifications, and user stories to create comprehensive test scenarios and test cases. Performed manual testing of mortgage applications across the end-to-end loan lifecycle.

• Analyze business requirements, functional specifications, and user stories to comprehensive test scenarios and test cases.
• Perform manual testing of mortgage applications across the end-to-end loan lifecycle.
• Execute functional, integration, system, regression, smoke, and User Acceptance Testing (UAT).
• Validate business workflows related to loan origination, underwriting, processing, closing, funding, servicing, and post-closing.
• Identify, document, prioritize, and track defects using defect management tools.
• Collaborate closely with Business Analysts, Developers, Product Owners, and stakeholders to ensure quality deliverables.
• Participate in sprint planning, backlog grooming, daily stand-ups, and retrospectives.
• Prepare test execution reports, defect metrics, and test summary reports.
• Support production validation and post-release testing activities.
• Created and validated mortgage loan applications through both Borrower Point of Sale (POS) and Loan Officer Desktop (LOD) and Borrower Digital.
• Validated borrower, property, income, assets, liabilities, and loan information.
• Validated HMDA, RESPA, TRID regulations.
• Executed end-to-end testing of mortgage loan workflows in Empower/Encompass.
• Validated business rules, workflow transitions, loan status, and data synchronization between POS and LOD, BD.
• Verified borrower registration, document uploads, loan submission, loan officer review, and workflow progression.
• Prepared comprehensive test scenarios.
• Performed Root Cause Analysis (RCA).
• Performed data validation across integrated mortgage applications.
• Ensured data accuracy, integrity, and synchronization between borrower and loan officer systems.
• Tested integrations between POS, LOD, and associated mortgage applications.
• Used Azure DevOps for defect tracking.
• Collaborated with Business Analysts, QA Leads, Developers, and Client Support teams.
• Participated in requirement discussions, sprint planning, and Agile ceremonies.
• Documented business requirements and functional specifications.
• Performed smoke, sanity, functional, regression, integration, and UAT testing.
• Worked closely with developers to resolve production issues.

Test Analyst at Ejgates Global Pvt Ltd. (Infosys Ltd.) (2022-04 – 2022-10)

Analyzed business requirements, functional specifications, user stories, and acceptance criteria to identify testing requirements and prepare comprehensive test scenarios and test cases. Performed end-to-end manual testing of the Encompass Mortgage Loan Origination System (LOS) across the complete mortgage loan lifecycle.

• Analyse business requirements, functional specifications, user stories, and acceptance criteria to identify testing requirements and prepare comprehensive test scenarios and test cases.
• Perform end-to-end manual testing of the Encompass Mortgage Loan Origination System (LOS) across the complete mortgage loan lifecycle.
• Execute functional, integration, system, regression, smoke, sanity, and User Acceptance Testing (UAT) to validate application functionality and business requirements.
• Validate end-to-end mortgage workflows covering Loan Origination, Processing, Underwriting, Pre-Closing, Closing, Funding, Servicing, and Post-Closing.
• Validate critical borrower and loan information, including borrower details, property information, income, assets, liabilities, employment, loan terms, and financial information.
• Validate mortgage business rules, calculations, field validations, workflow transitions, mandatory fields, data dependencies, and system-generated alerts/messages.
• Validate HMDA, RESPA, and TRID-related requirements and ensure applicable regulatory fields and disclosures are processed correctly.
• Validate integration and data flow between Encompass and external systems/interfaces, ensuring accurate transmission, processing, and mapping of loan and borrower data.
• Perform positive, negative, boundary, data validation, and error-handling testing to ensure application reliability and data integrity.
• Execute regression testing for new enhancements, configuration changes, defect fixes, and application releases.
• Identify, document, prioritize, and track defects using defect management tools, providing detailed reproduction steps, test evidence, severity, and business impact.
• Perform defect retesting and impact-based regression testing after defect fixes and ensure issues are resolved within defined timelines.
• Collaborate with Business Analysts, Developers, Product Owners, Mortgage SMEs, QA teams, and business stakeholders to clarify requirements and resolve functional and technical issues.
• Participate in Agile/Scrum ceremonies, including sprint planning, backlog refinement/grooming, daily stand-ups, sprint reviews, and retrospectives.
• Prepare and maintain test cases, test data, test execution reports, defect reports, traceability documentation, and test summary reports.
• Perform Requirement Traceability Matrix (RTM) validation to ensure adequate coverage of business and functional requirements.
• Support SIT, UAT, production validation, release validation, and post-production testing activities.
• Analyse test failures and work with cross-functional teams to perform root-cause analysis and determine appropriate resolutions.
• Ensure adequate test coverage for mortgage business processes, loan data, workflows, integrations, regulatory requirements, and system configurations.
• Contribute to continuous improvement of QA processes, test coverage, defect prevention, and overall application quality.

IT Analyst / Test Engineer at Core Integra Consulting (Tata Consultancy Services Ltd.) (2022-03 – 2024-03)

• Analysed business and functional requirements and prepared test scenarios, test cases, and test data based on application requirements.
• Performed functional, integration, system, regression, and end-to-end testing of the ION application.
• Validated application functionality against business requirements and functional specifications to ensure expected behaviour.
• Executed test cases and documented test results, defects, observations, and evidence.
• Identified, logged, prioritized, and tracked defects using defect management tools and collaborated with developers for timely resolution.
• Performed defect retesting and regression testing after fixes to ensure application stability and prevent regression issues.
• Conducted integration testing to validate data flow and communication between ION and interfacing applications/systems.
• Validated input and output data, field-level mappings, business rules, calculations, validations, and workflows.
• Performed negative testing and boundary value testing to verify application behaviour under invalid and exceptional conditions.
• Participated in SIT, UAT, and production validation activities and supported business users during UAT.
• Analysed test failures, performed root-cause analysis, and coordinated with development and business teams to resolve issues.
• Prepared and maintained test documentation, including test cases, execution reports, defect reports, and test summary reports.
• Participated in requirement walkthroughs, defect triage meetings, daily status meetings, and release discussions.
• Worked closely with Business Analysts, Developers, QA teams, and business stakeholders throughout the software development lifecycle.
• Supported release validation and post-deployment testing to ensure application functionality after production releases.
• Ensured testing activities were aligned with SDLC/STLC processes, quality standards, and project timelines.
• Contributed to continuous improvement of test coverage, testing processes, and overall application quality.

B-Tech in Information Technology – Biju Patnaik University of Technology, Odisha (2007 – 2011)

Intermediate – DNR JN College, Bhadrak (2005)