Sharukh Khan Pathan

Finance and Operations Professional with 2+ years of experience in mortgage operations and credit risk checks. Skilled in financial document review, KYC/AML compliance.

At Lloyds

Banking group worked with individual clients, MNC clients and cross-functional banking stakeholders to support compliant credit decision(credit worthiness, credit risk).

Mortgage Operations Analyst - Lloyds Banking Group - Sheffield, UK

(2024-01 - 2026-01)

• Managed end-to-end mortgage operations and credit risk assessments, ensuring full compliance with KYC, AML, and FCA requirements.
• Delivered a 92% client satisfaction rate by simplifying account support workflows and providing real-time performance insights through automated Power BI & Excel reporting.
• Supported underwriting efficiency by evaluating Loan to Value (LTV), debt-to-income (DTI) ratios and verifying borrower income documentation resulting in a 15% reduction in decision turnaround time.
• Reduced client complaints by 45% through root cause analysis, CRM feedback evaluation, and implementation of improvement strategies.

Senior Associate - VSM infotech - Bangalore, India

(2020-08 - 2022-06)

• Promoted to Senior Associate for consistent performance, analyzed incident trends and operational reports to improve service delivery and team efficiency.
• Managed 60+ service requests daily, met 100% SLA targets, and ensured smooth project delivery.
• Eliminated recurring project risks by executing data-driven Root Cause Analysis (RCA) via Excel and SQL, implementing process improvements that standardized service quality across the department.

Master of Science - Management (International Business) - University Of Sheffield (2022-09 - 2024-01)