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Business Analyst with 8+ years in Banking Domain & Project Management.
A competent professional with experience in Requirement Gathering, Business Analysis, Project management & Client Management. Comprehensive experience consulting solutions for change in business processes, ensuring requested functionality is provided. Track record of producing technical & business feasibility studies for project ideas right from collecting project requirements and documentation. Analytical, observant, and quality-oriented professional with exceptional communication & resource management skills. Liaising with Clientele and 3rd Party vendors at the Global level and product stakeholder management on providing a business-efficient solution. Having competency in elaborating business processes and solution features through Unified modeling language (UML) modeling diagrams. Following up with a delivery team to overcome any hindrance in the projected delivery plan. Experience recon for ATM, POS, VISA, Master Card & Rupay. Experience in Digital banking like (UPI, IMPS, Internet banking, BBPS, etc.)
MUMBAI
B.COM · Commerce
August 1, 2013 – June 30, 2016
MAHARASHTRA
H.S.C
June 1, 2011 – May 31, 2013
MAHARASHTRA
S.S.C
N/A – May 31, 2011
In Solutions Global Ltd.
Business Analyst
December 1, 2023 – Present
Mumbai, Maharashtra, India
Kotak Mahindra Bank PVT LTD
Senior Business Analyst
December 1, 2021 – November 1, 2023
Mumbai, Maharashtra, India
In Solutions Global Ltd.
Business Analyst
June 1, 2016 – November 1, 2021
Mumbai, Maharashtra, India
In-Solution Global LTD
Operation analyst
January 1, 2013 – December 31, 2016
India
International Project (UAE) : (Magnati)
December 1, 2023 – Present
Reviewed and analyzed Business Requirement Documents (BRD) to ensure clear understanding of client needs. Prepared Document of Understanding (DOU) to align project scope and deliverables with clients. Led requirements gathering sessions and performed data analysis to identify trends and process improvements. Conducted System Integration Testing (SIT) and User Acceptance Testing (UAT) to validate system functionality. Facilitated daily stand-up meetings and resolved client queries to ensure project alignment and client satisfaction. Created process flow diagrams and wireframes to visualize business processes and system interactions. Collaborated with development and QA teams to ensure requirements were met and project milestones achieved. Maintained project documentation, including requirement traceability and status reports.
Domestic Project : (UPI & IMPS & Merchant Acquiring)
December 1, 2021 – November 1, 2023
UPI & IMPS reconciliation application enhancement analysis and documentation to handle such changes with logic implementation. UPI and IMPS End to end recon implementation for NICB Bank. Preparation of FSD, DOU, WBS & GAP Study document. Requirement gathring and data analysis for UPI and IMPS channel. Worked on Draw.io application for preparing the chart/flow for better undertsnaidng and clarity on the functionality. Mandate execuation of channel UPI (OC 197) & IMPS (OC 122). Merchant Acquiring Reconcilation for the ICICI Bank (POS,ECOM & UPI Transactions).
Client: (All Banks)
October 1, 2020 – November 1, 2021
Performed document understanding of new mandates received from NPCI for UPI, IMPS & NFS and implemented them. Prepared FSD preparation for new mandates and share them with our techincal team for development. Conduct end to end functional testing and obtained Operation signoff for the new implementations. Provide business as usual (BAU) support for all banks for module DCRS, UPI and IMPS. Managed meetings related to the implementation and support of new mandates.
Client: Saraswat Bank Product: Unified Payment Interface (UPI) & Immidiate Payment Service(IMPS).
February 1, 2020 – September 1, 2020
Conducted GAP Analaysis for UPI and IMPS. Gathering requirement and following up with bank team. Preparing GAP & DOU documentation and obtaning respetive signoff from bank team. Creating a FSD based on the system analysis, which was shared with our technical team for development. Configuring SQL for file processing, reconcilation, Exception settlement, Dispute management, GL etc. Conducting functional testing for end to end UPI and IMPS module including RCRB,RC08,DRC,RRC and other relevant tests. Implementing a Dispute Management Module for UPI and IMPS, including Chargeback to Differed Pre-Arbitration. Managing General Ledger activities related to UPI and IMPS module.
Client: Cosmos Banks (Pune) Product: Unified Payment Interface (UPI).
July 1, 2019 – January 1, 2020
Requirements analysis and development of robust reconciliation system for UPI. ISG provides the UPI reconciliation and settlement for smooth flow of digital payment with automated customer dispute management and Bank General ledger balance(Remitter, Beneficiary, Payer, Payee). The System Provides the fraud risk monitoring capability, enabling banks to prevent losses proactivly. The Dispute management module include RCB,DRC,T+2,Chargeback to arbitartion functionalities. The team performs requirement gatharing and GAP analysis and prepared GAP/DOU documents. Data analysis is conducted to assess system impact, and prepares FSD documents share to techinical team for development. The system features automated triggers, alerts, Secured SFTP transfer for reports and MIS, as well as scheduler based file processing for greater efficiency. UPI has been successfully implemented for several banks, including the Bank of Maharashtra (BOM), Punjab National Bank(PNB), United Bank of India(UNI), The central bank of India (CBI), Jammu, and Kashmir Bank(J&K).
Client: Canara Bank (Banglore) Product: Unified Payment Interface (UPI) & National Financial Switch (NFS).
January 1, 2019 – June 1, 2019
Implementation and support for National Financial Switch (NFS) & Unified Payment Interface (UPI) Reconciliation System. Development and deployment of a 4-way reconciliation system to reconcile transactions across Visa, Master, NFS and Rupay. Design and implementation of a 3-Way Reconciliation System for UPI transactions. Development of an Automated General Ledger system to manage payable and receivable accounts. Creation of an Automated Dispute management system to efficiently handle disputes raised by customers and banks. Deployment of balancing system to ensure accurate reconciliation of Cash transactions in ATM. Implementation of Chargeback to Arbitration dispute handling module for NFS transactions and a Chargeback to Pre-arbitration and Differed Chargeback to Differed Pre-arbitration Dispute Handling for UPI transactions.
Client: Vijaya Bank HO (Banglore)
January 1, 2018 – December 1, 2018
Managing end to end Disputes handling for NFS network, ensuring timely and effective resolution. Overseeing end to end Operational activities such as Chargeback, Pre-arbitration, Arbitration and banking Ombudsman case analysis and resolutions for NFS network. Managing end to end operation activity such as RCRB (Rem & Ben), DRC, RRC, Chargeback, Pre-arbitration, Differed Chargeback and Differed Pre-arbitration. Conducting Credit adjustment activities analysis and passing for Credit to customers. Preparing TTUM for Chargeback, Pre-arbitration, Arbitrations and other related processes. Ensuring accurate GL tallying for NFS & UPI processes.
Client: IDBI Bank (Andheri)
June 1, 2017 – December 1, 2017
End to end complaints handling for Onus network. Following up on complaints via email with the branch team to ensure resolution. Preparing TTUM Crediting customers. Analyzing complaints received by the Banking Ombudsman and making decisions accordingly. GL tallying process.
Oracle SQL
Unknown
January 1, 2019 – Present
Cultural Fit Analysis
The candidate's career path shows a consistent focus on the banking and financial services sector, primarily with In Solutions Global Ltd. and Kotak Mahindra Bank. This specialization indicates a strong cultural fit for organizations within this industry. The diversity of projects, including international exposure (UAE project), and experience with various banks (ICICI, NICB, BOM, PNB, UNI, CBI, J&K, Canara, Vijaya, IDBI, Cosmos, Saraswat) demonstrates adaptability and a broad understanding of different client needs within the financial domain. The candidate's involvement in extracurricular activities (drama competition, volunteering) suggests a well-rounded individual with teamwork and leadership potential, contributing positively to team dynamics.
Soft Skills & Operational Fit
The candidate demonstrates strong operational fit through their extensive experience in banking operations and business analysis, particularly in payment systems. Their resume highlights skills in client engagement, project coordination, and stakeholder management, which are crucial for a Business Support Analyst role. The ability to facilitate daily stand-up meetings, resolve client queries, and collaborate with development and QA teams indicates good teamwork and communication skills. Experience in training and knowledge transfer also suggests a proactive approach to operational excellence. The candidate's detailed descriptions of managing disputes, GL activities, and compliance with NPCI mandates show a thorough understanding of banking operational processes.