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BUSINESS ANALYST |BANKING

An ardent and well experienced, Solution driven Banker and Business Analyst with total 11+ years of functional
experience, 5.5 years of relevant experience in BA role & SME and expertise in analyzing and developing processes,
coordinating and managing quality projects in banking, Investments, Assets, Insurance and CRM domain. Possesses great
skills in Business Analysis with good knowledge on SDLC- Agile and Waterfall models. Expertise in Core Banking
Operations- Payments, loans, assets and liabilities, KYC, AML, CDD, retail, corporate and investment banking.

Requirement Gathering, Analyzing and collaborating with cross functional teams in the development, migration,
documentation and implementation of process innovations. Involved in leadership/Management of Business Requirement
Gathering & Analysis, Solution Engineering, Process Modeling & GAP analysis, Client/Team coordination, Product
demonstration and JAD sessions.

FUNCTIONAL SKILLS
 Extensive Experience in Banking Process and Products like Cash Management, payments, Online transactions,
CARDS, Loans, Reconciliation, Spoke Management, Retail Operations, Retail liabilities, Retail assets, Third party
products like Mutual funds, Demat accounts, Forex, Life and General insurance. Adhering to the regulatory norms,
conducting regular fortnightly verifications and auditing banking operations and processes.
 Highly proficient in preparing Process flow diagrams, Business requirement documents (BRD), Functional
requirement Documents (FRD) and creating Requirements traceability matrix.
 Expertise in managing client's expectations through efficient client co-ordination. In depth knowledge of various
phases and methodologies of software development life cycle waterfall and Agile methodology.
 Successful in translating business requirements and user expectations into detailed specifications employing Use
case diagrams and process flow diagram using MS Visio.
 Similar experience in Product Life Cycle including Conceive (Requirement Capture, Specification, Concept design),
Design (Hardware & Software Design Documentation, Prototype Development & Analysis, Tool/Hardware Design),
Realize (Project Planning/Estimation, Product Development Management, Testing (Hardware/Firmware/Product).
 Proficient in all phases of in Solution Customization Cycle involving Business Requirement Study & Problem
Identification; Gap Analysis & Customization Finalization; Change Management and Implementation, UAT &
Support.
 Adept in Team Management skills like tasking, delegation, monitoring, feedback, skill upgrade, competence
management, motivation & mentoring.
 Cohesive Team Player with Fast Learning Curve along with strong analytical, problem solving, innovation, planning,
organizational, communication & interpersonal skills.
 Emotionally Balanced in Managing Work Pressure, Conflict Management; Critical thinking in Problem Solving.

AREAS OF EXPERTISE
 Project-Delivery  Business-Process  Project
Coordination Modeling Closure/Documentation
 Application Cycle  GAP  Stake holder
Manage Analysis/Finalization Management
 Requirement Gathering  Prototypes  Team-Management
 Joint Application Design  Quality
Assurance/Testing
TECHNICAL SKILLS

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  Operating system: Windows  Languages: UML 2.0
 Design Tool: MS Visio, Axure  SDLC Models: Waterfall & Agile Scrum
 Development-Tools: Balasamiq, Just-in-mind  Agile Tools: Jira, Rally
 Utility: MS Office Suite (2007)  SQL, Power BI, Tableau

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PROFESSIONAL EXPERIENCE
EQUITAS SMALL FINANCE BANK LTD (OCT 2018 – Till
date)
Business Analyst | Subject Matter Expert
IDFC BANK LTD (Mar 2016 – Oct
2018)
Business Analyst | Subject Matter Expert
HDFC BANK LTD
(Nov 2014 - Jan 2016)
Business Analyst | Subject Matter Expert
ICICI BANK LTD
(Feb 2011 - Oct 2014) Jr.
Business Analyst Consultant/ Finacle Functional Consultant/ Subject Matter Expert
RGUKT - APIIIT - Teaching Associate - Home Room Tutor (Aug 2009 - May
2010)
FORTUNE FORD INDIA LTD - Sales Consultant (May 2006 - Jul 2007)
__________________________________________________________________________________________________
Company: EQUITAS SMALL FINANCE BANK LTD
Domain: Banking
Role: Business Analyst | Subject Matter Expert
Project 1: ESFB Mobile Banking app
Project Description: Equitas Small Finance Bank mobile banking provides services like balance check, money transfer,
payments.
Features of the app: Bank account balance enquiry online, Real-time money transfer from your Equitas Small Finance
Bank account to any bank account in India, Unlimited fund transfers. No fees, Pay credit card bills of any bank in India,
Recharge mobile or DTH and pay utility bills for electricity, gas, water, broadband internet, and landline telephone, Pay
medical claim insurance premiums, View entire transaction history, Transfer money without adding beneficiary, BHIM
UPI services.
Key Accountabilities As a Functional BA :
 Gather and elicit requirements from business users, stakeholders – new requirements, change request and
enhancements.
 Prepare ‘Business Requirement Document’ to manage & analyze business requirements with process flow
diagrams using Microsoft Visio.
 Communicate and collaborate with multiple vendors for the requirement and solution discussion.
 Communicated and interacted on a regular basis with the business users, project manager and vendor
development team during different stages of the project.
 Prepare business scenarios for the application.
 Collaborate and manage testing team, end users for the functional support/issues.
 Prepared project progress reports and status reports and submitted to the management on an ongoing basis.
Key Accountabilities As a Subject Matter Expert :
 Provides support for Customer Service and Bank Lines of Business.
 Understands impact of potential changes (system & operational)
 Remains knowledgeable of industry issues and trends in order to assess needs and
opportunities for service enhancements.
 Acts as an escalation point for conflicts, risks, issues and action items as brought forth
by direct reports or project team.
__________________________________________________________________________________________________
Company: IDFC Bank LTD
Domain: Banking
Role: Business Analyst | Subject Matter Expert
Project 1: Novopay - Novo Loans - Asset Servicing : Corporate Action Processing
Core Modules: Loan Origination System, Loan Collection, Loan Management
Supported Loans: Personal, Micro Finance, Consumer Durable, Gold, Auto, and Micro Enterprise.
Project description: The Loan Origination System (LOS) helps to acquire credit-worthy borrowers. The LOS module offers
various options and flexibility in configuring lending workflows. The Loan Management (LMS) module offers incredible
flexibility in configuring loan products to help launch products quickly and manage the end to end loan lifecycle. The
Loan Collections module improves the recovery efficiency of delinquent loans in your loan portfolio.
Project 2: Novopay - Novo payments
Core Modules: Merchant & Agent Management, Transaction Management, Risk and Compliance.
Payment Services: Banking services, Merchant payments, cash management, Bill pay and recharges, Financial services,
Government payments.
Project Description: Novo payments provides Retailer Integrated App for payment acceptance and Field officer app to
Empower sales staff for productivity and customer convenience. This application provides Banking services, Merchant
payments, cash management, Bill pay and recharges, Financial services, Government payments.
Project 3: Indus R-System- Secured loans processing application
Core Modules: Indus Microfinance Origination system, Indus Loan Management System, Indus Collections.
Indus Services: Authentication, Evolution & Support, Funding, Bureau interfacing, Mobility, Loan products, Repayment
Frequency.
Project Description: The Indus Microfinance Origination system is designed to seamlessly process micro credit and
group loan applications which gives MFIs the flexibility and capability to acquire customers and by automating the
acquisition processes. The Indus Loan Management System helps automate the servicing and management of multiple
lending software portfolios on a single platform. The solutions provide a comprehensive set of customer and account
centric business operations which enable organizations to be more agile and offers front office customer support
capability. Indus debt Collection software (Indus Collections) enable organizations achieve higher automation levels of
the collections processes and maximize ROI by rationalizing the cost of collection and minimizing outsourcing costs.

Project 4 : HRMS (i-Connect)- Employee service portal

Project Description: Developed an application - i-Connect - Knowledge Resource and Discussion centre. The purpose of
developing this application is to equip employees to share knowledge on products and services through gamifying mode
so that they can gain extensive knowledge on bank offerings and provide better customer service. This helps the bank to
create new customers as well as retain existing customers Banks objective to generate huge revenue and reduce training
costs can be met.
Project 5 : CRM NEXT - Customer Relationship Management - Service Requests processing system.
Project Description: Championed the Introduction of the TAT system at IDFC Bank. TAT involved highest degree of
customer satisfaction to ensure that privileged clients and their requests are addressed on high priority. Developing
and maintaining corporate relationships for accomplishment of group objectives by generation of business. The
escalation of unresolved requests to ensure fast closures.
Key Accountabilities As a Functional BA:
 Requirement gathering
 system' from users belonging to multiple regions
 Analyze requirements, prepare a ‘Business Requirement Document’ using process flow diagrams (Microsoft
Visio)
 Prepare Project Plan and define scope along with the timelines
 Manage risks and issues raised by users
 Review test cases
 Collaborate with the users and development team during UAT
 Get a UAT sign-off and release to production
Key Accountabilities As a Subject Matter Expert:
 Understanding and processing deposit system transactions.
 Use this knowledge to recommend processing changes that will create efficiencies,
solve problems, implement new products and product changes, and address regulatory
requirements.
 Keep system documentation and related department procedures up to date working
with the department staff and manager.
 Participate in all system testing required for any implementation and develop timelines
to provide for adequate testing of deposit parameters.

__________________________________________________________________________________________________
Company: HDFC Bank LTD
Domain: Banking
Role: Operations Manager| Business Analyst | Subject Matter Expert
Project 1: Straight through Processing (STP): HDFC Internet Banking Modifications: This section of project involved
designing a system to reduce manual intervention in day to day banking processes. The following were different projects
delivered under this category.
Project Descriptions: Modifications and new features have been added and implemented on internet banking.
Those are Online Business Account Opening, Online Small Business Loan application on Business Internet Banking, Online
Personal Loan application on Personal Internet Banking, Online Business Credit Card application on Business Internet
Banking, Online Personal Credit Card application on Personal Internet Banking. Implementation of Risk Based Processing
 for both Personal and Business Loans, Online Business Money Manager account on Business Internet Banking, Online 10
Sec personal loan option added in HDFC Bank Internet banking offers column.
Project 2: Enhancements to the existing Internet banking applications to provide more security to the customers
Project Description: Designed 2 Factor Authentication for an additional authentication process to login to the personal
internet banking. This also includes addition of one more factor in authentication process for the online banking
transactions like payments and transfers.
Project 3: VBMS - Vendor Bill Management System.
Project Description: VBMS portal is a best billing portal in the finance software research. this application provides
Vendor bills payable and receivables Management, Employee travel claims, Reversal of Reimbursements, Branches petty
cash claims Billing portal, Contact database, Contingency billing, customizable invoices, Dunning Management, Hourly
billing, Mobile payments, Multi currency etc.
Key Accountabilities As a Functional BA:
 Front to back review of AS-IS process
 Study the AS-IS process & identify the current gaps & issues
 Document the current process, prepare process flows using Microsoft Visio
 Suggest recommendation & solutions for the current gaps/issues
 Segregate issues into tactical & strategic
 Prepare Project Plan and define scope along with the timelines
Key Accountabilities As a Subject Matter Expert:
 Support the definition of processes and policies, supply business rules and procedures, and communicate the
contexts in which the rules, processes and polices are applied
 Accurately represent the business units’ needs to the project/program team
 Validate the requirements and deliverables that describe the product(s) or service(s) that the project/program
will produce
 Bring information about the project/program back to the customer community.

_______________________________________________________________________________________________
Company: ICICI Bank ltd
Domain: Banking & Finance
Role: Jr. Business Analyst Consultant/ Finacle Functional Consultant/ Subject Matter Expert /Deputy Branch Manager
Project 1:i-LMS (Locker Management System)
Project Description: LMS (Locker Management System) is a web-based solution for management of end-to-end Locker
Operations. The solution has enables to create, maintain and update the inventory of lockers available, locker users,
history of operations of the locker. This solution ensures security as well as saves the bank user's time and effort in
maintaining detailed records.
Project 2: I-Mobile
Project description: iMobile app, the most comprehensive and secure Mobile Banking application, offers over 200
banking and informational services to take care of our daily banking needs conveniently from our Smartphone. For easier
accessibility.
Added new features are Taxi Payments, Rail, Bus, & Flight tickets bookings Food orders, Hotel bookings, Local deals, Bill
pay reminders, I-Direct, Insta banking, Expression debit cards, Tax payment, Buy General and Life insurances etc.
Project 3: Finacle Migration and Customization, FCRM- CRM Software
Project Description: FCRM, which stands for Finacle Customer Relationship Management, is part of the Finacle suite of
products from Infosys. It is a tool to enable Customer Relationship Management. The name is derived from Finacle Core
Banking that is used as the main product processor for liability products and banking transactions. Bulk Freeze removal
Format for Multiple Accounts at one Go, Identified Gaps in Finacle Standing Instruction and imposed System Control to
Avoid Fraud.
Project 4: i-secure
Domain: Insurance
Project Description: i-secure is web-based application to provide life insurance and health insurance to customers with
enhanced quality by integration and automation of the business process through an appropriate IT solution. This would in
turn increase the profits of the organization due to better market penetration and increased customer base.
Key Accountabilities As a functional BA:
 Front to back review of AS-IS process
 Study the AS-IS process & identify the current gaps & issues
 Document the current process, prepare process flows using Microsoft Visio
 Suggest recommendation & solutions for the current gaps/issues
 Segregate issues into tactical & strategic
 Prepare Project Plan and define scope along with the timelines
Key Accountabilities As a Subject Matter Expert:
 Provide input for the design and construction of test cases and scenarios, and may also validate executed test results.
 Provide input into and/or create and execute user documentation and training material
 Test the product(s) or service(s) towards the end of the project/program (user acceptance testing), using and
evaluating it for accuracy and usability, providing feedback to the project/program team
 Guide other professionals on the project/program to ensure the content is accurate

Achievements:
 Early Bird Awardee for Scope Management.
 High Performance Appraisal for Outstanding approach in Project Management.
 26% cost Reduced by Replacing Paper with Mobile Application.
 Linking of Loan Product in I Mobile Application for all the retail loans.
 Reduced Processing time Resident Conversions from 7 days to 2 days by implementing Omni Flow in FINACLE.

EDUCATION
✔ Master of Business Administration in Banking & Finance(MBA) from T.A.Pai Management Institute, Manipal.
✔ Post Graduation Diploma in Information Technology(PGDIT) from S.V University, Tirupati.
✔ Bachelor of Science in Mathematics, Physics and Chemistry(B.Sc) from S.K University, Nandyal.
Other Certifications : NISM VA - AMFI certified & SAP FI & BPC certified
preference: Hyderabad
Notice Period: Available for Immediate Joining.
Preferred Location: Ready to Relocate.