SUMMARY

• A retail banking / technology professional with over 15 years of experience in the field of retail banking operations and financial technology.
• Retail banking experience includes business planning and budgeting for the retail division, retail asset/liability product design & rollout, management of the retail loan portfolios including appraisal of loan proposals, documenting, disbursing, monitoring, recovering etc.
• Demonstrated ability to build and maintain relationships with stakeholders, project and product managers, development & testing teams, and vendors
• Effective decision maker with an ability to identify and apply appropriate decision making tools such as Pareto analysis, decision trees, what - if analysis, and impact analysis
• Experienced in managing the overall operations of credit card division including designing of new credit & pre-paid card products according to customer segments
• Prepared business and marketing plan, designed credit policy, monitoring the activities of ADC (alternate delivery channels) including ATM, POS & Kiosk network, cash feed and collection of ATMs and deposit machines
• Extensive experience in Financials industry including Retail, Investment and Corporate Banking
• Experienced in conducting Joint Application Development (JAD) sessions with end users, SMEs and stakeholders and Rapid application development (RAD) sessions.
• Good knowledge in different phases of SDLC with proficiency in Rational Unified Process (RUP), Agile (Scrum), and Waterfall methodologies.
• Created UML Diagrams including Use Cases, Activity Charts, Sequence diagrams, Data Flow Diagrams and ER Diagrams using MS-Visio thus defining the Business Process Model and preparing complex functional requirement documents
• Sound experience in creating Vision & Scope document, Business Requirements Document (BRD), Functional Requirements Document (FRD), and Software Requirements Specification (SRS) by using various modeling standards/techniques including UML and Business Process Model
• Sound knowledge of creating and maintaining Traceability Matrices (RTM), conducting GAP Analysis, perform testing, monitoring testing phases, Version Control and SWOT analysis.
• Defects tracking prioritize outstanding defects in different defect tracking system including QC/ALM, Jira & Version One.
• Strong knowledge of Business Process Analysis, Design and Report writing using various reporting tools such as Crystal report
• Extensive Experience in writing SQL Queries to extract data and perform Data Analysis
• Expertise on System Analysis, Design, Implementation, Testing, End-User Training and Maintenance of ERP system

TECHNICAL SKILLS

Methodologies: Waterfall, Agile(Scrum), RUP

Business Modeling tools: Microsoft Visio, Visual Studio

Management Tools: QC/ALM, Version One, Jira, Microsoft Project

DBMS: Oracle 10g, MS SQL Server 2010, MySQL, DB2, MS Access

Reporting Tools: Crystal Reports

Other Tools: MS Office Suite, Toad

Web Development: Apache, WAMP, Dreamweaver, IIS

Programming Language: C#, Java, CSS, Fire Works, Chart FX, HTML, DHTML, JavaScript, VBA, CFML, ASP, SQL, COBOL, COBOL II, JCL, CICS, CSP

PROFESSIONAL EXPERIENCE

Confidential

Product Owner

Responsibilities:

• Responsible for project sizing, planning, budgeting, forecasting, estimating, department prioritization as a part of the Project Management Office
• Successfully used Agile/Scrum Method for gathering requirements and facilitated user stories workshop. Documented User Stories and facilitated Story Point discussions to analyze the level of effort on project specifications
• Analyzed and managed business requested developments for the EVS application being employed for and improved various models within the system such as, the Gordon growth model, multistage dividend discount model etc.
• Worked on Mortgage, Payment Systems, Credit analysis and monitoring, Alternative channels, cards, whole sale banking, finance, back office, technology with operation as well. Capital/Treasury Management, Equities, Derivatives, securities processing Risk & Assessment Management, risk control and stress analysis, expert in Liquidity Capital Ratio
• Perform the Initial Project Analysis and also gathered requirements through JAD sessions conducted with IT, Vendor group and SMEs.
• Analyzed and documented the business requirements and generated reports for the Manager
• Wrote the software development plan and held meetings with the developers and forwarded Information and documents to them
• Developed flow diagrams for Business process of the company, UI Wireframes and Mockups, Data Flow Diagram & ER Diagram using Microsoft Visio
• Participate in Daily Agile Scrum "Stand-up", Sprint Planning and Retrospective Sessions and update the team on status of upcoming User Stories in Version One
• Performed Gap Analysis of the “As-Is” and “To-Be" process within the organization (DOT) to analyze and fill the existing gaps in the business processes and participate in business processes.
• Follow up with the end users and developers for user satisfaction and change management if necessary
• Organized and managed all phases of the software testing process, including planning tests, writing test cases, executing tests and tracking defects using Quality Center.
• Worked extensively with the QA team for designing Test Plan and Test Cases for the User Acceptance testing (UAT) and validation.

Confidential

Program Manager

Responsibilities:

• Implemented Mobile Payment System for the bank. The project was a financial inclusion initiative of the bank to facilitate fund transfer over mobile network at an affordable cost for the low income segment of the society. Defined policy, SOP, managed agent network nationwide etc. The system is also used by retail customers of the bank to pay monthly installments of their scheme deposits, credit card payments etc.
• Responsible for the management of retail lending including loan application assessment and appraisal, approval, documentation, disbursement, recovery and monitoring of retail loan portfolios.
• Managed the overall operations of credit card division including designing of new credit & pre-paid card products according to customer segments, prepared business and marketing plan, designed credit policy, monitoring the activities of ADC (alternate delivery channels) including ATM, POS & Kiosk network, cash feed and collection of ATMs and deposit machines, deployment of ATM, POS & Kiosk at new locations nationwide, EFT etc. As a member of the FATCA implementation team actively involved in the FATCA (Foreign Account Tax Compliant Act) implementation at the banks.
• Program/Project management responsibility included managing multiple projects concurrently, coordination among the teams, allocation of business resources with specific skillset from different departments of the bank, managing budget, time, cost, scope, procurement, vendors, stakeholders etc.
• Extensively used Agile/Scrum Method for gathering requirements and facilitated user stories workshop. Documented User Stories and facilitated Story Point discussions to analyze the level of effort on project specifications
• Perform the Initial Project Analysis and also gathered requirements through JAD sessions conducted with IT, Vendor group and SMEs.
• Analyzed and documented the business requirements and generated reports for the Manager
• Wrote the software development plan and held meetings with the developers and forwarded Information and documents to them
• Developed flow diagrams for Business process of the company, UI Wireframes and Mockups, Data Flow Diagram & ER Diagram using Microsoft Visio
• Organized and managed all phases of the software testing process, including planning tests, writing test cases, executing tests and tracking defects using Quality Center.
• Worked extensively with the QA team for designing Test Plan and Test Cases for the User Acceptance testing (UAT) and validation.

Confidential

Project Manager, IT & Retail Banking

Responsibilities:

• Implemented the concept of mobile payment services at a commercial bank in Bangladesh. The project was the first of its kind in the country and a financial inclusion initiative by the institution to promote instant fund transfers at an affordable cost to sections of disadvantage and low income segment of the society. The system is also used for making scheme deposits and credit card payments.
• Replaced the partially automated branch banking system with a modern centralized banking system. Managed the implementation of DC/DR setup, Internet Banking, automated check clearing system, CRM, Islamic Banking System, HRMS, Credit/Debit card Management System, company website etc and integrated the shared ATM network to the new banking system.
• Responsible for the management of retail lending including loan application assessment and appraisal, approval, documentation, disbursement, recovery and monitoring of retail loan portfolios.
• Program/Project management responsibility included managing multiple projects concurrently, coordination among the teams, allocation of business resources with specific skillset from different departments of the bank, managing budget, time, cost, scope, procurement, vendors, stakeholders etc.

Confidential

Funtional & Project Manager, IT & Retail Banking

Responsibilities:

• Planned and setup a shared ATM/Kiosk network infrastructure for the banks that do not have the network due to high cost involvement and/or skilled technical resources. At present there are 28 banks using the network and providing 24 hours banking services at an affordable rental plan.
• Implemented a central card printing infrastructure to facilitate the card issuing process of the banks with high volume cards.
• Transformed partially automated banking environment into modern, computerized and 24 hours service institutions. Lead teams across broad technical, financial and business disciplines.
• Managed projects including core banking software, Islamic banking software, HR Management System, Credit / Debit card Management System, SWIFT, Western Union, Merchant Banking software, expansion of ATM / Kiosk network, relocation and rebuilt of the IT division of the banks to ensure higher level of security, transformed widely practice inefficient internal informal paper-based communication to electronic e-mail based communication for all employees of the banks by ensuring LAN, WAN, Internet, network compatible PCs with necessary applications and through continuous technology training.
• Banking system implementation project includes the implementation of the core Misys Banking System, cashier system (retail module), loan module (loan IQ) and Treasury module. Integrated the system with the ATM network. Extensive process re-engineering was required to eliminate some of the existing processes and incorporated newly defined processes. Implemented higher security measures where applicable including opening of new GL heads, new product definition, lending etc.
• Project Management included developing project charter, gap analysis, defining scope, developing project plan, business process re-engineering, management of local and international project resources, implementation, Integration, testing, UAT, rollout, documentation and training.
• Commendable performance in effectively managing stakeholder engagement, vendor and negotiation
• Applied waterfall project management methodologies where applicable. Possess multiple concurrent project management skills

Confidential, NY

Software Consultant

Responsibilities:

• Conducted business analysis, defined scope, developed project plan, developed application, tested, conducted UAT, rollout, designed technical and user documentation for all business application developed for clients
• Developed B2C application utilizing technologies including ASP, CFML, HTML, Oracle
• Developed static / dynamic company websites utilizing technologies including HTML, ASP, JS, CSS, Fireworks, Chart Fx, SQL Server
• Developed dynamic Internet / Intranet sites utilizing CFML, ASP, HTML, SQL Server
• Developed client / server applications utilizing technologies including VB, VBA, Access, SQL Server, Crystal Report
• Developed multiple batch and online business applications on IBM Mainframe utilizing COBOL, COBOL II, CICS, CSP, DB2, JCL, VSAM
• Successfully completed project in different client side including AIG, Cushman & Wakefield, Merri Lynch