Help & Supportcareers@gravityer.com
AI is analyzing your overall score…
Identifying your key strengths…
Evaluating your skill match against the job requirements…
Assessing your cultural and operational fit
Sr. Business Analyst with 6+ years in Banking, Payments & API Integration
Senior Business Analyst with 6+ years of experience in Banking, Payments, and Financial Services specialising in ISO 20022/FedNow real-time payments, API integration requirements, and US banking client delivery across offshore-onshore Agile programs. Leads requirements workshops and stakeholder alignment sessions, converting complex business needs into BRD, FRD, and API specifications that engineering teams implement without ambiguity. Delivered measurable outcomes across two major programs by cutting payment failure resolution from 14 hours to under 4 hours (FedNow) and reducing manual reconciliation from 4 hrs/day to 20 min/day through 90% automation. Maintains an AI-augmented BA practice using Claude, V0.dev, and n8n to build rapid prototypes for client workshops, automate documentation workflows, and accelerate delivery without additional headcount.
NBN Sinhgad College of Engineering
B.E. · Mechanical Engineering
August 1, 2019 – June 30, 2019
Emergys Solutions Pvt. Ltd.
Senior Business Analyst
February 1, 2024 – Present
Pune, Maharashtra, India
Think & Learn Pvt. Ltd. (Byjus)
Business Analyst / Pre-Sales Manager
June 1, 2019 – January 1, 2023
Pune, Maharashtra, India
FedNow Real-Time Payments Modernization
February 1, 2024 – Present
Led end-to-end business analysis for a US regional bank's migration from ACH-only batch infrastructure to ISO 20022 FedNow real-time payments, facilitating requirements discovery workshops across Operations, Compliance, Product, and Engineering to align scope, delivery sequence, and stakeholder priorities in an Agile scrum offshore-onshore model. Authored the ISO 20022 integration specification covering pacs.008 field mapping and pacs.002 confirmation handling between the bank's FIS core banking system and the FedNow gateway; surfaced 14 upstream data gaps through gap analysis that had to be resolved before integration could proceed. Defined complete REST API integration requirements for different microservices - OFAC screening, fraud pre-screening and reconciliation each covering 8 mandatory elements: trigger, request/response schema, timeout, retry policy, security, error matrix, fallback behaviour, and audit trail. Designed payment exception handling requirements including a real-time operations dashboard with 60-second failure alert SLA, a 3-minute pending-state communication logic resolved via a 3-way stakeholder conflict (Operations vs CX vs Engineering) by decoupling internal operational state from customer-facing display reducing false customer alarms and cutting payment failure resolution time from 14 hours to under 4 hours post go-live; contact-centre payment queries reduced 35%. Owned reconciliation requirements end-to-end defined End-to-End ID based auto-matching logic, 4 exception types with separate SLAs and ownership tiers, and the analyst resolution workflow moving the process from 100% manual (4 hrs/day, 8% error rate) to 90% automated (20 min/day, 0.1% error rate). Owned UAT planning and execution - authored 120+ test scenarios covering all API happy paths and error/fallback conditions, used Postman collections with assertion scripts to validate all API endpoints against acceptance criteria before QA handoff, drove defect triage through to closure, and led the formal go-live readiness checkpoint with client sign-off.
NBFC Finance Portal
June 1, 2019 – January 1, 2023
Defined and owned end-to-end functional requirements for an internal NBFC Finance Portal (Loan Origination & Management System) processing 3,000+ loan applications per month via RBI-regulated NBFC partners - ICICI Bank and Avanse Financial Services supporting ₹50 Cr+ in monthly EMI collections. Defined integration requirements for 5 third-party APIs, UIDAI Aadhaar (identity + face match), NSDL PAN (tax verification), CIBIL (credit bureau), NPCI NACH (mandate management), and DocuSign (e-signature) specifying error handling, timeout values, retry logic, and fallback states for each, ensuring zero ambiguity for the development team. Collaborated with ICICI Bank and Avanse teams to document CIBIL-based credit decisioning rules including FOIR calculation logic, score-band routing (ICICI ≥700, Avanse ≥600), and NBFC-specific knock-off priority and designed the complete NACH mandate lifecycle, eliminating manual ambiguity across credit assessment and collections workflows. Designed requirements for a Loan Pipeline Dashboard used daily by 12+ Finance Division associates providing real-time visibility into active loans by stage, new application queue, system-flagged manual review cases, and NBFC partner-wise EMI collection status; reduced daily supervisor escalations by 40%. Identified and documented a critical disbursement-gating requirement -course access to activate only upon confirmed NBFC disbursement webhook, not on loan approval, preventing potential revenue leakage where course delivery would precede payment receipt; also specified NACH mandate cancellation as a mandatory pre-condition before NOC issuance on loan foreclosure, eliminating post-closure unauthorised debit risk. Owned end-to-end UAT planning and execution across all LOS stages - creating test scenarios for all 5 API integrations (happy path + all error/fallback paths), facilitating business user UAT sessions with Finance Division associates using real application scenarios, and driving formal sign-off from NBFC partners (ICICI and Avanse) on credit decisioning rules and NACH lifecycle behaviour before go-live; raised and tracked 30+ defects from UAT to closure.
Certified Business Analyst
COEPD (IIBA EEP Endorsed)
January 1, 2023 – Present
Business Analytics Certification
Relevel
January 1, 2023 – Present
Cultural Fit Analysis
The candidate's experience across two distinct financial domains (real-time payments for a US bank and NBFC loan origination in India) demonstrates adaptability and a broad understanding of financial services. Their involvement in offshore-onshore Agile models and cross-functional coordination indicates a collaborative and team-oriented approach. The use of AI tools for productivity suggests a proactive and modern approach to business analysis, aligning with forward-thinking organizational cultures. The certifications in Business Analysis further reinforce a commitment to professional development.
Soft Skills & Operational Fit
The candidate demonstrates strong problem-solving skills, evidenced by resolving a 3-way stakeholder conflict to improve payment exception handling and identifying critical disbursement-gating requirements. Their ability to lead workshops, manage stakeholders, and drive UAT indicates strong leadership and collaboration. The focus on measurable outcomes (e.g., reduced resolution time, automated reconciliation) suggests a results-oriented and operationally effective approach. The use of AI tools for prototyping and documentation indicates an innovative and efficiency-driven mindset.