Vaibhav Ghule

Compliance and MIS professional with a strong background in affordable housing regulations and data management. Experienced in maintaining program integrity through regulatory oversight, audit support, and advanced information systems usage. Skilled in data analysis, reporting, and systems management to support compliance monitoring and decision-making.

Compliance Reporting Associate at Navkar Business Services (2023-12 – Present)

Compliance and MIS professional with a strong background in affordable housing regulations and data management. Experienced in maintaining program integrity through regulatory oversight, audit support, and advanced information systems usage.

• Ensured adherence to HUD, IRS LIHTC, and other federal/state regulations for affordable housing programs
• Monitored income/rent limits, occupancy requirements, and funding-specific compliance rules
• Stayed current with policy updates and regulatory changes impacting housing programs
• Prepared and submitted timely compliance reports to HUD, IRS, and state agencies
• Maintained accurate tenant eligibility records and federal fund tracking for HOME, CDBG, and similar programs
• Developed and maintained documentation procedures for audit readiness and transparency
• Conducted detailed audits of tenant files to validate income, household composition, and rent calculations
• Tracked certification and recertification schedules, ensuring timely eligibility verification
• Provided regulatory guidance and training to property managers and site staff
• Analyzed occupancy and financial data to identify non-compliance risks and recommended corrective strategies
• Assisted in preparation and coordination of federal/state audits and monitoring reviews
• Responded to audit findings with corrective action plans to mitigate compliance issues
• Managed housing data systems and software (e.g. Yardi, CTCAC site and other housing management platforms)
• Developed and maintained databases to track compliance metrics, certification timelines, and occupancy status
• Generated regular and ad-hoc reports to support compliance monitoring and internal decision-making
• Ensured data integrity through system audits and error resolution
• Supported implementation and training of compliance-related software tools for staff

Loan Processor at ICICI Bank Ltd (Aargee Staffing Services Private Limited) (2022-09 – 2023-11)

Loan Processor for Two Wheeler & Home Loan responsible for verifying information on loan applications and preparing loan documents. Experience with loan underwriting documentation.

• Responsible for verifying the information on loan applications and preparing loan documents
• Experience with loan underwriting and documentation
• Strong interpersonal and communication skills for dealing with clients and customers
• Ability to evaluate complex financial information and make informed decisions
• Ability to work with colleagues and clients to achieve common goals
• Worked in Disbursement Team for Two Wheeler document verifier as a team member
• Checking Customer profile through KYC Guideline with knowledge of all KYC documents
• Handled field investigation report of fraud documents and reports to managers
• Maintained coordination with private agency for field verification and exact field verifier reports
• Achieved set targets and maintained TAT, followed up with business team for data continuity
• KYC verification of forms sourced by Relationship Manager
• Declining of forms on the basis of guideline laid in KYC Circulars while maintaining TAT
• Checked the Reverts of the outstation cases and maintained MIS on daily basis
• Distributed all Sampled cases to Agencies for Field Verification
• Performed PRE/POST Disbursement checks
• Maintained MIS

B.COM in Commerce (2021)

HSC (2018)

SSC (2016)