Kalpana Palaniappan is a Domain Consultant with the TCS BFSI business unit. She has worked with a leading mortgage servicing organization prior to joining TCS. Kalpana has over 17 years of experience in mortgage providing consulting and domain support for business transformation initiatives. Kalpana is a IIBA-certified business analyst and US mortgage underwriter. She holds a Bachelor’s degree in Commerce from Christ University, Bangalore, India, and a Master’s degree in Finance from the Mount Carmel Institute of Management, Bangalore, India.