SUMMARY

• Proficient in different methodologies waterfall and agile and successfully achieve targets on both methods.
• Proficient in conducting JAD session with stakeholders and attended different type of ceremonies.
• Used WebEx to conduct online conferences with stakeholders and SMEs
• Conducted Interviews and workshops to elicit requirements and create artifacts accordingly.
• Critically evaluate information gathered from multiple sources, reconcile conflicts, decompose high - level information into details, abstract up from low-level information to a general understanding, and distinguish user requests from the underlying true needs.
• Professional Experience in writing Test plans, Test scenarios and defining Test cases based on Business Requirement documents.
• Performed performance testing using Load Runner
• Hands on experience in retrieving data and data validation using SQL queries like Joins, views, Sub queries and Aggregate functions like max, min, sum and average with good understanding of Procedures, Functions and Triggers. Experienced in SSRS(reporting), SSAS(analysis) and SSIS(integration) of Microsoft SQL server suite.
• Conducted mobile testing to ensure its functionality, usability and consistency.
• Involved in developing and maintaining Requirement Traceability Matrix.
• Expertise in Manual and Automated testing applications developed on Windows environment.
• Experience in Smoke, Functionality, GUI, UI, Integration, System, Positive, Negative, Backend, and Regression, Load, Performance, Stress and UAT testing.
• Write moderate to complex SQL to support business rule testing also created store procedure and scalar function.
• Expertise in querying and testing using RDBMS tools like Oracle, MS SQL server, PL/SQL, TOAD, and MS Access for Data integrity.
• Used E-commerce (electronic commerce) to provide services, or the transmitting of funds or data, over an electronic network, primarily the internet. These business transactions occur either as business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer or consumer-to-business.
• Designed E-commerceto improves the payment management systems, information communication system, trading, and negotiation system, financial instruments and transport management system of a bank. With these services improving, the customers and consumers will have great experience with the bank
• Empoweredto make significant scope changes beyond reprioritization, chances are these changes will never be made. It ultimately manifestsitself as failed and canceled projects.Feature removal in a systematic and sensible way that supports the overall business objectives is simply not possible without empowerment of your analysts.
• Created and designedloan origination system(LOS) for developing the mortgage landscape of a lending organization and increasing lender responsiveness to market changes.
• Used LOS to manage loan origination, fulfillment, pricing and eligibility, and document management.
• Designed and implement regulatory role of government which involvesregulation of various business and economic activities by directing the businesses with set of controls. These regulations aim to prevent concentration of power in few hands, localization of business few areas.
• Designed process to meetCollateral Management & Optimization to manage, substitute and pledge eligible collateral assets in the most cost-effective way to meet various liquidity and risk management demands.
• Created theLCR (Liquidity Coverage Ratio)and NSFR (Net Stable Funding Ratio) to hold enough stable funding to cover the duration of their long-term assets.
• Used Allowance for Loan and Lease Losses (ALLL) methodology to determine incurred loss. ALLL is an estimated loan and lease loss reserve for bad debt, used to sets funds aside to cover future losses.
• Performed data mapping from a source fields to their target fields for integration, migration, warehousing and transformation and created crosswalk and mapping document.
• Capable of writing and debugging efficient SOQL queries of standard and custom objects, and able to understand and develop for complex data models.
• Conducted data profiling through key integrity, cardinality, pattern and frequency distribution.
• Skilled in Tableau to dynamic dashboards and data visualization.

TECHNICAL SKILLS

Methodologies: Agile, Waterfall, RUP

Project management tools: Microsoft Project, Microsoft Office, Microsoft Share Point, Microsoft Outlook

Change Management Tools: Rational Requisite Pro, Clear Quest, Test Director

Version Control Systems: Rational Clear Case

Testing Tools: Jira, HP ALM, Soap UI, TFS, TRAC, Quality CenterProgramming Languages XML, UML, HTML

Databases: DB2, Oracle, MS SQL Server 2000, MS-Access, MS-Excel

UML Modeling Tools: Rational Rose, Microsoft Visio

Reporting Tools: Business Objects, Crystal Reports

PROFESSIONAL EXPERIENCE

Confidential

Business Analyst / Data Analyst

Responsibilities:

• Identified and validated high potential business opportunities for stakeholders and developed customized business strategies that are aligned with corporate strategic objectives for empower system.
• Prepared documents such as Project Scope, Project Vision, Project Success, Business Requirements.
• Conducted JAD sessions for communicating with Stakeholders and Project directors
• Provided analysis, understanding and business perspectives on many financial and operational issues.
• Used Rational Unified Process (RUP) for streamlining the team’s development activities.
• Gathered Business Requirements, analyze data/workflows. Defined the scope, financial projections and Cost/benefit analysis. Progressed from Problem Statement to well-documented Designs.
• Created business process workflow diagrams (Activity diagrams) in MS-Visio.
• Provide e-commerce tech for buying and selling, making payment and maintain record for stocks.
• Conducted JAD sessions as a lead facilitator in requirement phase.
• Gathered business requirements through interviews, surveys, JAD sessions and observations
• Performed and co-coordinated the System testing, regression testing of various builds during integration, performance and User acceptance testing using Rational Test Suite for empower system
• Assisted the business in evaluating priorities, risks, and costs versus benefits of various solutionsMonitored and followed up wire transfer, payments and collections.
• By empowering analysts to identify keyfeatures needed to satisfy business objectives up front duringenvisioning, the development team can staff appropriately.
• Additional scope control becomes the exception like purely tactical decision and not the norm as is commonwith the bottom up prioritization driven solely by development constraints that happenstoday.
• Created reserves for estimated potential credit losses due to expected losses from delinquent and bad debt or other credit that is likely to default or become unrecoverable.
• Performed Back-End testing and extract data from database using SQL Query.
• Developed design Specification writing Test report s and documenting Test results.
• Developed financial statements, business reports, debt position and generated yearly incentive & commission report.
• Solidified internal control systems, costing and financial reporting for all Products.

Confidential

Business Analyst / Data Analyst

Responsibilities:

• Involved in the Collection of loan proposals and ensuring they are processed accordingly and verifying the accuracy, thoroughness of the loan application along with other related documents.
• Conducted a comprehensive use case analysis to determine key abstractions such as loan underwriting, loan-closed, borrowers-info, mortgage-payments and their mapping to the standard analysis mechanism to enable maximum reuse.
• Performed the as-is and to-be analysis. Interacted with front office to gather requirements and acted as the liaison between IT a business departments.
• Reported to regulatory bodies to monitoring compliance with contractual obligations to the government and users, and other legal and regulatory requirements. Establishing technical, safety and quality standards (if not defined in the contract agreements) and monitoring their compliance. Imposing penalties for non-compliance.
• Developed process and strategy to earn a desired net interest margin, without exposing undue risks from the interest rate volatility under Liquidity risk management.
• Created and designed Mortgage Loan Origination System(LOS) that takes a completed loan application and facilitates the mortgage transaction from origination to post closing.
• With e-commerce provide the same banking services like checking, savings, loans, credit cards, and bill pay.
• Utilized Requisite Pro for requirements management and creating Requirement Traceability Matrix (RTM) to map business requirements to system data requirements.
• Statistical evaluated results show that indicators of funding liquidity risks includethe loan to deposit ratio (LDR), the funding gap, the inverse net stable funding ratio, and the ratio of liquidity creation in the form of an annual change along with the short term liquidity.
• Designed process in order to reduce credit risk associated with any unsecured financial transactions. Transaction between counterparties includes banks, broker-dealers, insurance companies, hedge funds, pension funds, asset managers and large corporations.
• Used e-commerce to design digital banking with options like online accounts, account money transfers, and eventually online bill pay and mobile check deposits.
• Reported Regulatory body to design standards all laws, rules, regulations and Regulatory Authority advisory opinions or orders applicable to the manufacturing, marketing, sale, reimbursementand/or pricing of any Products
• Identified necessary Business Use Cases from requirements, created UML Diagrams including Use Cases Diagrams, Activity Diagrams, Sequence Diagrams, and web Page Mock-Ups using MS Visio.
• Participated in Defect Review meetings with software developers, QA engineers, managers, suggested enhancements to the existed application from business perspectives, provided solutions to existing bugs.
• Coordinate in UAT of eOPS flow paperless environment.
• Supervising & monitoring of all Credit Initiation Daily MISs’.
• Prepare in-house access base loan origin processing system for PLRC Processing.
• To liaise with Rejection Review Unit for timely resolution of all credit proposals.
• Supervising & monitoring of all Credit Initiation Daily MISs’.
• Coordinated in conducting UATs for Consumer Banking Systems like Seibel & CBS.
• Prepare monthly group reporting.
• Prepare daily MIS to control & monitor CI bucket & verifications, Prepared Login Status MIS to manage & organize daily logins to track TAT & application status.
• Maintained MIS to monitor & control rework application so that it can minimize the rework for resolution of various issues & to work efficiently & effectively.

Confidential

Consumer & Retail Risk Manager

Responsibilities:

• Supervising & monitoring of all credit MISs’ including CIU decisions, EAMUV verifications and FRMU daily vigilance.
• Prepared in-house access base loan origin processing system for Over Draft facility.
• Responsible for making process manual of CIU includes system enhancement, process flows, SLAs, DBR calculator and maintenance of online verification systems like Data check, e-CIB & Verisys.
• Reported to regulatory body to create framework model people can use for reforming and enacting regulations in an effective and logical way. Created such frameworks for handling regulatory matters and developing flexible and useful networks of regulations, laws, and rules.
• Responsible for making countrywide budgeting & capacity planning of Credit Initiation Unit, External Agencies Management Unit & Verification, Fraud Risk Management Unit & Collection & Recovery.
• Coordinated in preparing of provisioning (ENR, ANR, NCL, NPL, NFL & Recoveries) of consumer portfolio of Confidential Ltd.

Confidential

Business Analyst

Responsibilities:

• Coordinated in conducting UAT for CTL Credit Card application processing System.
• Prepared countrywide daily MIS of credit decisions of CIU Secured and Unsecured of existing portfolio.
• Coordinated debt burden calculator for Credit Cards and Personal Loans as per guidelines Policy.
• Prepared excel base EAMU physical and documents verification monitoring system reflecting calculation of receiving, forwarding, positive, negative and cancelled.
• Used e-commerce to design online loans services like mortgage, auto & personal loans, both individuals and businesses apply for and secure personal loans without ever needing to meet in person with a loan advisor.
• Responsible for making countrywide budgeting & capacity planning of Credit Initiation Unit, External Agencies Management Unit & Verification and Fraud Risk Management Unit

Confidential

Credit Analyst / Business Analyst

Responsibilities:

• Credit Analyst of Credit Cards and Running Finance.
• Coordinated in preparing Credit Initiation process flows and turnaround time segment wise.
• Coordinated debt burden calculator for Credit Cards as per guidelines Policy.
• Responsible for processing of Merchant Application including (prescreening, system checks, verification, MCC, MATCH and NMAS).
• Prepare countrywide daily MIS of credit decisions of CC, PL & RF.
• Responsible for resolution of all queries of Service & Quality group with in TAT, related with CIU-Unsecured Loans.