Intelligent Automation

Edward Muskovitch
Vice President – Underwriting, NewRez, LLC

Graduate of Penn State. In mortgage business for 36 years,

• Spent time at a small S & L for 3 years
• 13 years at MGIC
• 20 years between GMAC/Ally/Ditech/Newrez

Primarily been in underwriting management overseeing front line underwriting as well prefund diligence. Lead teams in retail, call center, wholesale and correspondent. Managed in office and remote underwriters. Leveraged vendor relationships in managing production and service levels.

Renee Munday
Vice President, Client Solutions

Renee is responsible for the management of the client engagement process for the Mortgage Services business within Indecomm Global Services. She is based in Charlotte, NC. Renee has a 30-year career in the financial services and insurance industries, well as business process outsourcing industries. Prior to joining Indecomm in 2009, she was an agent for  State Farm Insurance from 1989 -1999 and Regional Sales Manager for Equifirst Corporation from 1999 – 2009.  Renee has held several operational and project management positions within Indecomm Global Services, including Underwriting Team Lead, Assistant Director of Underwriting, and Director of Client Engagement. Renee holds a degree in Business Administration.

Jenelle Siple
Director, LSG Operations, Indecomm

• Been with Indecomm for 8 ½ years
• Started out in the mortgage business in 1997
• Worked in all facets of the business from origination, processing, underwriting, closing and Post Closing – predominantly in Wholesale and Retail underwriting
• Been in management for 18 of the 23 years in the mortgage business

Rajan Nair
Chief Executive Officer

As CEO Rajan leads Indecomm Global Services, a leading provider of business process as a service (BPaaS), software technology, and learning products for the US mortgage industry. Indecomm has a proven track record of over 25 years in the mortgage industry, working with large and mid-sized lenders, servicers, mortgage insurers, and title companies as a trusted partner with a singular focus – helping them grow.

Prior to joining Indecomm in 2003, Rajan was the co-founder and CEO of ikigo Inc. At ikigo, Rajan was responsible for the successful development and marketing of a unique monitoring software solution to Fortune 500 companies. Before starting ikigo, Rajan had served as COO at SeraNova Inc, a NASDAQ-listed e-Business Services Company.

Rajan’s areas of expertise include business strategy development and execution, global organization and development, sales and marketing, and e-Business and Internet solutions. He has the necessary blend of experience and expertise for creating and managing a high-growth offshore IT services and outsourcing company.

Rajan holds a bachelor’s degree in Commerce from Bombay University and a Cost and Management Accountant degree from the Institute of Cost and Works Accountants of India.

Jon Hodge
SVP-National Sales Manager, NexBank, Dallas, TX

March 24, 2020 – NexBank, based in Dallas, TX, announced that Jon Hodge has been named SVP, National Sales Manager. Mr. Hodge will lead NexBank’s mortgage sales group, which includes Correspondent, Wholesale, and Warehouse Lending.

Mr. Hodge joins the bank with over 20 years of experience within the mortgage and banking industry. Prior to NexBank, he served the housing finance industry in regional and national leadership roles at Fannie Mae, Mr. Cooper (formerly NationStar), PHH, CitiMortgage, and GE.

In his new position, Mr. Hodge will help grow NexBank’s presence and origination volume nationwide. “I am honored and excited to join NexBank. They were a client in my prior roles, and consistently hold a strong reputation of success, creative problem solving, and great customer service that fosters opportunities for growth across multiple product lines,” he said.

Teresa Spontak
Executive Director, Morgan Stanley – Risk Management

Teresa Spontak is an Executive Director at Morgan Stanley Private Bank managing the Pre-funding Quality Assurance process for the residential mortgage portfolio. Teresa joined Morgan Stanley in June 2013 and has been working in the mortgage industry since 1985.

Teresa’s prior roles include QC and Servicing QC for Morgan Stanley Risk Management, Servicing Compliance Officer for Hudson City Savings Bank (2012-2013), and Director of Quality Control for MetLife Bank which included origination, servicing and reverse mortgage (2008-2012). Teresa has also held mortgage underwriting, operations and repurchase management positions with Sovereign Bank, PNC Bank and Fleet Bank. She holds a Bachelor of Science in Finance from the Pennsylvania State University.

Krista K. Sabol
Director, Marketing

Krista has over 20 years of marketing and communications expertise within the mortgage industry. In her role at Indecomm, she manages all facets of the marketing and communications strategy for Indecomm Global Services. She provides a unique perspective to communications strategy and initiatives, drawing from the disciplines of marketing, sales, education, and customer advocacy to find just the right approach to meet strategic goals. She manages lead generation, sales campaigns, media relations, client advocacy, corporate communications, trade shows, website and online presence, and e-commerce.

Prior to joining the Indecomm Global Services team, Krista worked for industry associations and mortgage technology vendors. She worked at the Mortgage Bankers Association in the Education Division managing client marketing, loan originator continuing education, e-commerce, and The Industry Campus newsletter. As Vice President of Marketing and Communications at AllRegs, she managed all facets of the organization’s marketing and communications initiatives, including product marketing, lead generation, e-commerce, and media relations. She launched the AllRegs Academy distance learning division during her first year within the organization, managing e-learning, and webinars. During her tenure at Ellie Mae, Krista managed client marketing, client relations and case studies, customer advocacy, and the Hall of Fame Awards.

Krista has a BA in English from George Mason University and an MA in Education from the University of Phoenix. She is a certified Eloqua® Master of marketing automation and a Professional Certified Marketer received from the American Marketing Association.

Mathew Panayil
Group Company Secretary

As Group Company Secretary, Mathew Panayil brings over 35 years of experience in the areas of Finance, Company Secretarial and Legal matters. He also assists the Leadership Team in all corporate strategic initiatives involving acquisitions, restructuring, financing, and related areas. In addition, he also oversees the finance and legal function of Centillion Solutions and Services, part of the Indecomm Group.

Prior to joining Indecomm, Mathew held senior Finance positions with SG Software, the Software/BPO arm of the Investment Banking division of Société Générale, LEC INDIA a Danish multinational Company and part of the Maersk group and O/E/N India Limited, the flagship company of the ‘OEN’ Group of Companies, a Joint Venture with OAK Industries Inc. Mathew is a Member of the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India.

Mamatha Vishwanath
Senior Vice President, Human Resources

Mamatha has over 21 years of experience in managing Human Resources function and is currently responsible for managing the Global HR function for Indecomm Global Services. She has been with Indecomm from Inception and has been involved in Indecomm’s transformational journey. She has been part of the core team in implementing organizational-wide initiatives including capability development, change management, pre and post-merger consolidation of HR practices and building a strong talent pool throughout the organization. She has been involved in corporate business restructuring exercises and a member of the due-diligence team for acquisitions.

Prior to joining Indecomm, Mamatha was managing the HR function at Provimi, one of the leading veterinary pharmaceutical companies. Mamatha holds a postgraduate degree in Industrial Psychology from Mysore University where she secured a university rank. She also holds a post graduate diploma in Human Resources Management.

Narayan Bharadwaj
Senior Vice President, Automation

Narayan Bharadwaj is the Senior Vice President, Automation at Indecomm Global services. In his current role, Narayan is responsible for automation strategy and execution with a goal of transforming the operations and technology landscape of the mortgage industry.

Narayan has an experience of  over 26 years in the Banking & Financial Services industry with an extensive concentration on consumer lending. Narayan’s career spans executive leadership positions in technology companies serving the banking industry namely, CEO & General Manager of Wipro Gallagher Solutions, President & COO, Financial Services at Docutech Corporation and as technology executive in financial services organizations such as GE Consumer Finance and Citibank Global Consumer Bank responsible for large global technology programs.

Narayan is a CPA and a CMA and holds a specialization in Fintech from the University of Oxford.

Latha Parameswaran
Vice President, Product and Partner Management

Latha has been with Indecomm since its inception and is currently responsible for the Channel Partner Integrations within the Software Division of Indecomm Global Services. She is based in the Twin Cities, MN. Latha has over 20 years of experience in banking, financial services, and business process outsourcing industries. Through her tenure with Indecomm, Latha has held various positions in India and St. Paul, MN, handling operations, project management and product development. Prior to joining Indecomm, she was Customer Service Manager for the call center operations of Citibank N.A. India (eServe International). She is a postgraduate from the University of Madras (India) with a diploma in computer applications. She also holds a Certification in Project Management from St. Thomas University, MN.

Joy K Gilpin
Vice President, Mortgage Learning and Compliance

Joy holds the position of Vice President, Mortgage Learning and Compliance at Indecomm Global Services. Her role requires a keen understanding of the lending process, regulatory oversight, and risk mitigation. Prior to joining Indecomm, Joy was Director of Business Writing and Education for Ellie Mae, supporting the AllRegs product offering. She built the Business Writing team and has a long history of advocating for compliance and efficiency in the mortgage lending space. With nearly 20 years of professional expertise in the lending space, she provides great insight and understanding of the challenges lenders face today and brings a tremendous energy and enthusiasm to the table, making her a highly effective educator and leader. Joy has created policy and educational content to support efficient lending and underwriting practices that are compliant with regulations. She led the charge for nationwide licensure as the Compliance Manager with Indecomm, where she established herself as a leading expert in the industry. She spent over five years working with a wide swath of industry professionals, creating and implementing tools that support regulatory oversight while helping practitioners.

Rachael Harris
Vice President, Product Management

Rachael is Vice President of Product Management Indecomm Global Services. With over 20 years of experience in the mortgage industry, she has worked extensively within operations including underwriting management. Prior to joining Indecomm, Rachael was the Operations Manager for a privately held mortgage banker. She now funnels her mortgage industry experience into real-world product solutions with Indecomm’s software business,  including IncomeGenius® and AuditGenius™. Rachael has an economics degree from the University of Tennessee and resides in Houston with her husband and three children.

Harish Kamath
Senior Vice President, Engineering

Harish is responsible for the IT Engineering division, which delivers Indecomm’s mortgage products and helps improve quality, by automation within the operations team. He has over 20 years of experience in the product IT engineering space. Harish is very passionate about product development and has played various management and technical roles in product management organizations. He has architected several key products, including complex systems like LoS. Prior to joining Indecomm, he was with Cognizant as Delivery Director, and as a Program Director at CoreLogic.

Harish is a science graduate in IT and holds a master’s degree in business administration. He is certified in PMP, Machine Learning, Statistical Process Control, Statistical Techniques for Data Mining and Business Analytics and is a Microsoft Certified System Engineer. Harish is an avid researcher and is pursuing his Doctoral program (Ph.D.) from Mysore University, on “Using social media as a dataset for Credit Risk Monitoring, with special reference to mortgage loans.” He has published three research papers on usage of social media datasets.

Venkatasubramanian Krishnan (KVS)
Senior Vice President, Global Operations

KVS serves as Senior Vice President, heading our Global Operations for the Mortgage Services at Indecomm. He is currently based in Charlotte, NC, and responsible for the Operations and P&L delivered across five centers in the US and India. KVS has over 25 years of experience in banking and financial services, and his areas of expertise include business process outsourcing, operational excellence and profit and loss management. Prior to joining Indecomm, he held several management positions with Citibank N.A. in Retail Banking, Investments and Insurance. KVS was part of the core team that set up e-Serve International Ltd, a Citigroup Company to provide back-office operations for various Citibank units across the globe. KVS holds a Computer Science and Engineering Diploma from Murugappa Polytechnic College and completed his Executive Management Program from the Indian Institute of Management, Bangalore.  He graduated from MBA Education’s School of Mortgage Banking (SOMB) and was awarded the Accredited Mortgage Professional (AMP) designation in 2015. He also holds NMLS licenses for several states in the US.

Linda Bomar
Senior Vice President, Sales and Marketing

Linda Bomar is Senior Vice President of Sales and Marketing for Indecomm Global Services. She has 25 years of experience in the mortgage industry, with an expertise in team building and communications. A progressive mortgage banking sales and marketing executive, she impacts the visibility and performance of financial institutions through expert orchestration of resources, operations, policies, and protocols. Prior to joining Indecomm, Linda was the National Sales Manager for AllRegs. She has held several positions in the mortgage industry including wholesale operations, secondary, securitization, and marketing, was President of Unprime Securities, a national wholesale mortgage lender. Linda is a graduate of the University of Texas at Austin.

Balaji Venkatachalam
Vice Chairman & CFO

Balaji brings 31 years of experience in the areas of Finance, Operations, Technology, and Business Strategy. He is responsible for maintaining the highest standards of corporate governance, risk management and reporting for the Indecomm Group. In addition to his primary role as CFO, he is deeply involved in all corporate strategic initiatives involving acquisitions, restructuring, innovative financing, and related areas. As a licensed mortgage loan originator for several US states, Balaji has a deep understanding of the business.

Prior to joining Indecomm, Balaji held senior strategy and technology leadership positions at Dun & Bradstreet. Before that, he was the CFO and COO of SeraNova India, International Controller of Intelligroup, Inc. (a Nasdaq-listed software services company) and CFO of a multinational advertising agency in India. Balaji was also part of a start-up initiative that was successfully sold to a multi-national group.

Balaji holds a master’s degree in commerce. He is a member of The Institute of Chartered Accountants of India, The Institute of Company Secretaries of India and is a Certified Management Accountant in the US.

 

Naresh Ponnapa
Chairman

As Chairman of Indecomm, Naresh leads a team of highly accomplished fellow professional entrepreneurs. The executive team has worked as one seamless unit overcoming and converting difficult business cycles to build two formidable and distinctive businesses. Indecomm Mortgage Solutions is a technology platform-driven company offering automation, outsourcing, and compliance solutions in the mortgage services space. Complementing strong organic growth with select acquisitions is the forte of this team. He is the Principal Founder of Indecomm in 2003, which has been consistently ranked amongst the Global Top 100 IT and ITeS providers for over a decade.

Prior to founding Indecomm, he held various senior roles within the Unilever organization for 21 years, on assignments both in India and abroad. He was a key member of Unilever’s core Mergers & Acquisitions team in London and a Special Assistant to the Chairman of Unilever. In India, he became the youngest member on the Board of Hindustan Lever Limited. Naresh was also the COO/Operating Partner in Connect Capital and was responsible for identifying investment opportunities in the ITeS space. Naresh was a Founding Fellow of the 21st Century Trust, a non-profit group that brings together leaders from all parts of the world and different professional backgrounds to maximize creative thinking about the key challenges facing the world in the coming generation. He is a distinguished member of the Institute of Chartered Accountants of India and attended the Advanced Management Program at Harvard Business School.

Krista K. Sabol
Director, Marketing

Krista has over 20 years of marketing and communications expertise within the mortgage industry. In her role at Indecomm, she manages all facets of the marketing and communications strategy for the Financial Services group. She provides a unique perspective to communications strategy and initiatives, drawing from the disciplines of marketing, sales, education, and customer advocacy to find just the right approach. She has as much fun planning campaigns as she does analyze their effectiveness! Prior to joining the Indecomm Global Services team, Krista worked at the Mortgage Bankers Association, AllRegs, and Ellie Mae. Krista can be reached at krista.sabol@indecomm.net.