SUMMARY:

• Over 10 years of progressive experience in the financial industry in both Waterfall and Agile environments. Hands on experience of all phases of the Software Development Life Cycle (SDLC) including Analysis, Design, Implementation, Testing and subsequent support and .
• 8 years of expertise and knowledge of brokerage business domains such as Mutual fund order and trade processing, Clearing and Settlement Processes for Equity, Debt transactions, Client Tax processing.
• Over 10 years BA experience in Wealth Management, Everyday Banking, Personal Savings Investing, Real Estate Secured Lending and Personal & Small Business Lending products in a Regulatory environment.
• Excellent communication, presentation, relationship, negotiation, organizational, facilitation, problem solving and interpersonal skills, reflected in conducting JAD sessions, requirement workshops, personal interviews.
• 10 years of experience in eliciting and documenting end - user requirements and managing detailed requirements through the SDLC phases identifying, tracking, escalating and/or resolving issues.
• Highly skilled in all areas of Business Analysis including requirement gathering and elicitation using various techniques such as document analysis, interviews and workshops, documenting functional requirements, creating Business Requirements Document (BRD), Software Requirements Specifications (SRS) and Use Cases, Business Process Flow diagrams, wireframes and mock ups.
• Conducted Joint Application Development (JAD) sessions with key stakeholders, Subject Matter Experts (SME), development and QA teams to collect and refine business requirements.
• Proficient user of various software including Confluence, Microsoft Word, Excel, PowerPoint, MS Visio, JIRA, SQL.
• More than 3 Years of Canadian retail banking experience working with applications such as CIS, DDA, Sales Platform, CASPER, OLMS, OLBB, FX & FT, Credit Card Servicing Application (CCSA), TIS etc.
• Expertise with Credit Cards in the Online/mobile Digital space, i.e. servicing, disputes, billing, payment, sales, etc.
• Strong analytical and product management skills, including a thorough understanding of how to interpret and anticipate internal and external customer needs and translate them into application and operational requirements.
• Ability to work effectively in a disciplined project team environment under aggressive schedules.

PROFESSIONAL EXPERIENCE:

BUSINESS ANALYST

Confidential

Responsibilities:

• Delivered detailed analysis through requirements gathering, business process modeling and data analysis.
• Effectively planned the business analysis activities including selection of appropriate business analysis approach; evaluation of project complexity, assumptions, constraints and dependencies; stakeholder analysis; communication plan and test plan.
• Utilized requirement gathering techniques such as conducting interviews, brainstorming sessions and workshops to elicit requirements from business stakeholders and further analysed and decomposed requirements to enable clarity of business objectives.
• Worked with Wealth Management Financial Advisors, Mortgage Specialists and loan admin team to help build out new processes and procedures for Mutual Fund order and trade processing, loan administration business flow and prepared Loan IQ input templates for new clients.
• Gathered all investment management requirements such as Assets Liabilities comparison, Net Worth & Cash flow analysis, Leverage terms and KYC rules for all equity, debt, fixed income Mutual Fund trades for MyAdvisor and managed mutual fund order & trade processing.
• Contributed to the delivery of the Business Case by collaborating with stakeholders defining project benefits measures and effort estimates to achieve benefit results/objectivesof the project.
• Worked closely with Real Estate/ Mortgage Lending, Personal Lending department including credit card & Auto finance, Business Lending & Credit Adjudication team to understand the regulatory requirement and to align the business requirements with the project objectives.
• Effectively communicated and co-ordinated with CCSA team members, small business credit card stakeholders and business partners using a variety of techniques and collaboration from project initiation to close.
• Assessed, researched and analyzed business and system needs, exploring alternative options to recommend application solutions that meet stakeholder requirement needs in accordance with Project Life Cycle.
• Worked closely with colleagues across the Bank including Branch Banking, Branch Sales, Operations, Investment Specialists and others to understand the vision and document business rules that support the tactical implementation of that vision.
• Used a variety of elicitation techniques including document analysis, job shadowing, one-to-one interviews, and web conferences in order to improve communication depending upon the stakeholder communication requirement and geographic locations.
• Provided user documentation and on new products/functions and assisted in implementation strategy and execution of projects.
• Worked closely with the Test Lead and Test team to define traceable Test Scenarios that confirm the requirements through multiple testing phases.
• Critically evaluated 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.
• Provided expertise,, direction, feedback, and coaching to build the capability of more junior staff.

BUSINESS ANALYST

Confidential

Responsibilities:

• Utilized requirement gathering techniques such as interviews, document analysis and workshops to engage key stakeholders to elicit requirements and worked extensively with the designated Product Owner to identify, refine and prioritize the product backlog.
• Along with the Product Owner, worked on the product backlog by writing User Stories with clearly defined acceptance criteria for the delivery team enabling them to assess requirements and develop estimates.
• Carried out detailed functional analysis of the offline Investment Management System, EISC, to integrate to the online investment functions of HDFCMFOnline to manage mutual fund trade and trade processing.
• Have in-depth knowledge of front and back office brokerage business and worked closely with Brokerage clients and Product Strategists to gather requirements and ensure these are articulated into functional requirements.
• Proactively identified and tracked requirements risks, issues, assumptions, dependencies, constraints and anticipate and effectively managed risks related to requirements. Aligned decisions to client’s risk appetite.
• Worked with subject matter experts and stakeholder groups to define, clarify and document functional and non-functional requirements to support the development team creating project deliverables.
• Initiated interviews with business stakeholders and inhouse distributors of the AMC to gather brokerage payout conditions and requirements of different mutual fund segments to in corporate to the brokerage payout module of EISC.
• Managed and conducted meeting with corporate and Private Banking clients such as PESICO, CITIBANK, INFOSYS to gather, analyse and document business requirements for investments in Debt and Short-Term Money market funds of the AMC.
• Identified risks or issues with technology solution or design which may impact realization of project benefits and provided guidance and support to stakeholders in making good decisions to pro-actively resolve or mitigate potential risks/delays to the project
• Worked with trading partners/dealers to create a detailed implementation plan for E-HAMC leading up to the deployment day along with reporting testing status to the Fund management team via presentations.
• Used detailed knowledge of application features and functions, assessed scope and impact of business needs throughout analysis and completion of all enhancement specifications.
• Worked closely with the Organizational Change Management lead to ensure that the Business is ready for the change and the processes and solutions meet the acceptance criteria.
• Performed risk analysis of the requirements to identify the key business risks areas for the project and prioritized the application development.

BUSINESS ANALYST

Confidential

Responsibilities:

• Extensive involvement in the inception phase of MyChola system, including an understanding of project scope, feasibility of the implementation, and defining risk factors associated with the project.
• Elicited requirements using interviews, document analysis, requirements workshops, surveys, site visits, business process descriptions, use cases, scenarios, business analysis, task and workflow analysis.
• Worked on the enhancement of the Integrated Investment Systems application related to financial products and Operations such as purchase, redemptions, switches between inhouse and third party funds, DDA, GL posting and statement generation.
• Collaborated with technology partners and provided recommendations to support development of system requirements and design, testing plans, artifacts/deliverables to ensure business needs are met.
• Facilitated requirement gathering and estimating sessions involving the Dev and QA teams and the Product Owner to collaborate on creation and estimation of user stories.
• Gathered requirements and documented detailed business and system use cases to drive out the detailed functional requirements for the application.
• Conducted interviews, brainstorming sessions and workshops to elicit requirements from Personal & Home Equity Lending stakeholders, Real Estate/ Mortgage Lending, Personal Lending department including credit card & Auto finance, Business Lending & Credit Adjudication team and further analysed and decomposed requirements to enable clarity of business objectives aligned with the regulatory requirements.
• Assisted the QA team by reviewing use test cases and clarifying requirements to ensure complete coverage of requirements.
• Created UML use cases, sequence, activity, data flow and process flow diagrams; initiated and implemented user stories & requirements throughout the project.
• Participated in the systems implementation process by developing testing strategy, performing UAT, providing user documentation, and post implementation support.
• Communicated progress on BA work packages, including requirements management, in a concise and timely manner, escalating issues to project manager, partners and manager where appropriate.
• Facilitate in the overall management of the projects including risk analysis and mitigation, status reports, client presentations, defining milestone deliverables and establishing critical success factors.

Assistant Sales Manager

Confidential

Responsibilities:

• Proactively engaged with clients in all areas of the branch and in the community, uncovering banking needs, providing help and advice, and assisted them with a full range of financial transactions.
• Provided clients with an annual relationship management call and reviewed clients current financial profile & provided need based financial planning to achieve their long term financial goals resulting in client retention.
• Acquired new clients for HSBC namely Premier, Power Vantage and ensured that the quality of accounts sourced meets the mandated threshold.
• Advised clients on banking products like checking accounts, savings accounts, personal & business credit cards, term deposits, personal & business loans which are suitable for their business & effective to achieving their financial goals.
• Advised clients on a range of products like Mutual Funds, Life & Health Insurance, Retail Insurance, Term Deposits, Portfolio Management Services in Equity and Real Estate.
• Maintained the acquisition cost per account within the prescribed norms by cross selling life insurance, mutual funds, assets & business accounts, critical illness insurance products & generated revenues as per AOP.
• Opened key accounts and maintained market share by offering appropriate bank products, services & proposing solutions as per the Know Your Client agreement while maximizing profitability.
• Proactively identified clients’ needs, recommended appropriate products and services and managed an asset of 2.5 billion and ensured that Anti Money Laundering norms of the bank are compiled always.

Financial Planning Officer

Confidential

Responsibilities:

• Proactively engaged with customers to retain & deepen relationships, profiled them to understand their current and future financial needs and advised them on appropriate life insurance products and services.
• Interviewed clients to determine their current income, expenses, financial objectives and tax status and recommended appropriate insurance products and services according to the compliance requirements.
• Propagated productive client relationships to create a pool of prospective clients from various sources by networking, cold calling and using customer referrals.
• Worked with clients to deliver risk management strategies that fit their risk profiles and monitored insurance claims to ensure mutual satisfaction.
• Managed & mentored a 20-member Financial Advisor team and launched a comprehensive need-based module named DISHA to improve & retention of new insurance agents.
• Developed and sourced business through cultivation of existing clients, internal resources, networking & third-party referral sources and successfully managed an asset of $1.5 billion.
• Provided clients with a wide range of Individual and Group Life, Living Benefits, Wealth and Travel insurance products and solutions.