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Senior Analyst with 10+ years in Digital Lending & Mortgage Platforms
Senior Business Analyst with extensive experience delivering digital lending and mortgage platform transformations across retail banking ecosystems. Proven expertise analyzing and improving end-to-end lending journeys including application capture, credit assessment, underwriting, decisioning, loan origination, and servicing. Specialized in Salesforce-enabled lending ecosystems, Loan Origination Systems (LOS), and API-driven fintech integrations supporting broker, direct, and partner channels. Experienced working closely with credit policy teams, brokers, operations, product owners, and technology partners to design scalable, compliant, and customer-centric lending platforms. Strong capabilities in process modelling (BPMN), workflow automation, decisioning logic, requirements engineering, and UAT strategy, ensuring lending platforms deliver operational efficiency, improved broker experience, and regulatory compliance.
SPJIMR, Mumbai
MBA · PGPM
August 1, 2018 – June 30, 2019
McCombs School of Business, University of Texas, Austin, US
Advanced Program in Information Management
August 1, 2018 – June 30, 2019
Maharaja Agrasen Institute of Technology, Delhi
B. Tech. · Electronics and Communications
August 1, 2004 – June 30, 2008
Skillmine Technology Consulting | HDFC Bank
Digital Business Analyst (Lending)
April 1, 2024 – December 1, 2025
India
Aligne AI | HSBC
Lead Business Analyst
September 1, 2023 – April 1, 2024
India
IRIS Software | Citibank
Product Owner / Business Analyst Manager
August 1, 2021 – August 1, 2023
India
Persistent Systems | IDFC First Bank
Lead Business Analyst - CRM & Lending
February 1, 2020 – August 1, 2021
India
Capgemini, Sapient Consulting
Business Analyst - Retail Banking
July 1, 2015 – April 1, 2019
India
Infosys, Hitachi Consulting, Fundtech
Technology Analyst (Java, Middleware)
September 1, 2008 – April 1, 2015
India
CSPO
Scrum Alliance
January 1, 2021 – Present
CSM
Scrum Alliance
January 1, 2020 – Present
ITIL V4
Axelos
January 1, 2020 – Present
Cultural Fit Analysis
The candidate's extensive experience across multiple large financial institutions (HDFC Bank, HSBC, Citibank, IDFC First Bank) and consulting firms (Skillmine, Aligne AI, IRIS Software, Persistent Systems, Capgemini, Sapient, Infosys, Hitachi Consulting, Fundtech) demonstrates adaptability and exposure to diverse corporate cultures. Their focus on regulated environments, compliance, and audit readiness aligns well with the structured and risk-averse culture often found in senior analyst roles within financial services. The breadth of project types, from core banking transformations to digital lending and BaaS models, indicates a versatile and growth-oriented mindset.
Soft Skills & Operational Fit
The candidate demonstrates strong soft skills in stakeholder management, cross-functional coordination, and risk management, which are critical for senior analyst roles in complex banking environments. Their experience in facilitating workshops, driving consensus, and managing vendor dependencies indicates a high operational fit. The ability to balance rapid feature experimentation with platform reliability and regulatory assurance is a key strength for enterprise adoption.