Versatile Business Analyst & Product Owner with 7+ years of experience driving digital transformation and product development in IT services, payment solutions, eCommerce, and mobile/web applications. Skilled in Agile (SAFe, Scrum, Kanban) and Waterfall methodologies with expertise in requirement gathering, backlog refinement, user story creation, and stakeholder management. Certified SAFe 5.1 POPM with a proven record of delivering customer-centric solutions, optimizing processes, and enabling cross-functional teams to achieve business outcomes. Recognized for strong analytical skills, clear communication, and the ability to bridge business needs with technical delivery.