Nidhi Sharma
Technical Product Owner - AVP | Cards & Payments
Bengaluru
Summary
PMP®-certified Project Manager and AVP with over 8+ years of experience delivering complex, cross-functional projects in Finance and Operations, particularly within high-performance Cards & Payments environments. Expertise in stakeholder engagement, budgeting, incident and service operations, and solution governance drives project success. Proficient in developing comprehensive project plans, tracking KPIs, and managing the full SDLC while ensuring adherence to SLAs, risk mitigation, and regulatory compliance. Strong communication skills enhance vendor relationship management, performance reporting, and post-go-live stabilization efforts.
Overview
8
8
years of professional experience
26
26
Certifications
3
3
Languages
Work History
Senior Business Analyst - Cards & Payments | AVP
Capgemini Technology Services
06.2024 - Current
- Managed backlog prioritization, ensuring alignment with business goals and stakeholder expectations.
- Implemented Agile methodologies to increase team productivity and enhance overall project outcomes.
- Collaborated with cross-functional teams to develop high-quality products that met customer needs.
- Developed comprehensive roadmaps outlining the product vision, goals, and milestones for successful execution.
- Collaborated with engineering teams on technical feasibility assessments, resulting in realistic scope definition for projects.
- Owned and prioritized product backlog.
- Facilitated communication between development teams and stakeholders, ensuring clear understanding of requirements and expectations.
Technical Product Owner | Cards & Payments
Federal Bank
07.2023 - 05.2024
- Enhanced product usability by conducting user research and incorporating feedback into development.
- Focused on building critical features up front in order to identify constraints and technical challenges.
- Led product launches, collaborating with marketing teams to create successful go-to-market strategies.
- Streamlined project management processes for improved efficiency and timely product delivery.
- Coordinated beta testing programs to gather user feedback, refining product features before general release.
- Implemented competitive analysis frameworks to benchmark against industry standards and drive product excellence.
- Improved team velocity by implementing and refining Scrum methodologies.
- Established metrics for success, evaluating product performance to inform future development strategies.
Business Process Analyst
Navi
04.2022 - 06.2023
- Assessed business processes and identified ways to boost improvement.
- Collaborated with upper management to drive strategy and implement new processes.
- Presented findings from process analyses to senior management, securing buy-in for recommended improvements and facilitating implementation efforts.
- Facilitated training sessions for employees on newly implemented processes, ensuring seamless adoption across the organization.
- Established strong relationships with internal clients to better understand their needs and expectations related to process improvements.
- Provided ongoing support to team members during transition periods following process updates, minimizing disruption and maintaining productivity levels.
- Actively participated in continuous improvement initiatives, fostering a culture of innovation and growth within the organization.
- Served as a subject matter expert on business process analysis methodologies within the organization, mentoring junior team members as needed.
Banking Analyst - Co-Branded Credit Cards
City Union Bank
06.2019 - 03.2022
- Led training sessions on financial modeling and risk analysis techniques, enhancing team capabilities and promoting a culture of continuous learning.
- Provided exceptional customer service, addressing inquiries promptly and maintaining strong relationships with key clients.
- Enhanced client satisfaction by providing comprehensive financial analyses and strategic recommendations.
- Conducted detailed competitor analyses to inform product development strategies, leading to increased market share.
- Worked closely with relationship managers to proactively identify potential issues or concerns impacting client accounts.
- Managed complex portfolios, effectively balancing risk and return to achieve client objectives.
- Supported senior analysts in the preparation of high-quality reports for presentation to executive leadership teams.
Credit Analyst
City Union Bank
01.2018 - 05.2019
- Conducted comprehensive creditworthiness evaluations of SME and corporate clients by analyzing financial statements, cash flow trends, and industry-specific risk indicators.
- Drafted detailed credit proposals with in-depth financial modeling, risk assessments, and lending recommendations for credit committee approval.
- Performed ongoing portfolio reviews, covenant monitoring, and exposure analysis to mitigate credit risk and maintain portfolio health.
- Acted as a liaison between internal teams, relationship managers, and external auditors to streamline credit decision-making processes.
Education
Post Graduate - Data Science And Artificial Intelligence
Indian Institute Of Technology
RoorkeeMaster Degree - Business Analyst By IBM,EY
Simplilearn Education Technology Company
MBA/PGDM - HR/Industrial Relations
SASTRA University
Thanjavur, Tamil NaduB.Tech/B.E. - Computer Science and Engineering
Anna University
Trichy, Tamil NaduSkills
Agile methodology
Certification
Certified Business Analysis Professional (CBAP)
Tools And Technologies
- Domain Knowledge: Cards & Payments, PCI-DSS compliance, ISO 8583, ISO 20022, Mastercard/Visa Interchange, EMV, 3DS, KYC, LOS, LMS, CBS.
- Project & Agile Delivery: PMP®, JIRA, Scrum, SAFe, Project Planning, Release Governance, Change Management, SLA/OLA Enforcement.
- Technical Skills: SQL, Python, Unix, REST APIs, SOAP, AWS, Docker, Jenkins, Postman, Flexcube.
- Business & Data Analysis: BRD, FRD, RTM, UAT Coordination, Data Modeling, Tableau, Power BI, Metabase, KPI Tracking, ETL Pipelines.
- Leadership & Management: Stakeholder Engagement, Vendor Management, Budgeting & Forecasting, Risk & Compliance Management, Team Coordination, Mentoring.
Key Skills & Competencies
Business Analysis & Product Management
- Business Requirement Documents (BRD) , Functional Specifications (FRD) , User story writing , and backlog grooming.
- Agile (Scrum, SAFe) and Waterfall SDLC delivery.
- Product lifecycle management, optimization strategies, and stakeholder engagement.
Data & Reporting
- Data modeling , SQL , data visualization (Tableau, Power BI) , and KPI tracking and reporting.
- Pricing strategy, credit risk assessment, and customer behavior analytics.
- Experience with ETL pipelines, dashboards, and large-scale data analysis.
Domain Knowledge: Banking & Financial Services
- End-to-end Loans, Disbursement, Collections, CBS, KYC, LOS, and LMS workflows.
- Cross-border and domestic payments (Issuing & Acquiring), Mastercard TLID, Visa Installments, EMV, and 3DS.
- Cards & Payments, PCI-DSS compliance, Smartpay Advance, Smartpay Bureau, and Global Payplus.
Solutioning & Architecture
- Solution feasibility assessment , NFR definition (Availability, Disaster Recovery, Latency) , flow diagram creation , and RACI matrix.
- Configuration management.
Technology & Tools
- SQL, Unix, Windows OS, Oracle, Flexcube, Salesforce, JIRA, and Confluence.
- Operating systems, HSM (Hardware Security Module), ISO 8583, and API integration (REST, SOAP).
Timeline
Senior Business Analyst - Cards & Payments | AVP
Capgemini Technology Services
06.2024 - Current
Technical Product Owner | Cards & Payments
Federal Bank
07.2023 - 05.2024
Business Process Analyst
Navi
04.2022 - 06.2023
Banking Analyst - Co-Branded Credit Cards
City Union Bank
06.2019 - 03.2022
Credit Analyst
City Union Bank
01.2018 - 05.2019
MBA/PGDM - HR/Industrial Relations
SASTRA University
B.Tech/B.E. - Computer Science and Engineering
Anna University
Post Graduate - Data Science And Artificial Intelligence
Indian Institute Of Technology
Master Degree - Business Analyst By IBM,EY
Simplilearn Education Technology Company
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