A B PREM KUMAR

Project 1: Loan Monitoring System – Q Conneqt Business Solutions Ltd.

• Client: Union Bank of India | Role: Business Analyst / SME | Period: Apr’21 – Jul’24
• Overview: Designed to monitor borrower accounts and streamline repayment tracking, this system enhanced loan portfolio health, reduced defaults, and improved financial control for customers and banks alike.

Responsibilities:

• Led end-to-end SDLC implementation for the Loan Monitoring System, from requirements gathering to post-deployment validation.
• Facilitated stakeholder workshops, reducing loan processing turnaround time.
• Prioritized features with product owners based on business value and regulatory needs.
• Authored user stories and acceptance criteria, aligning development with compliance mandates.
• Coordinated and executed UAT cycles, ensuring robust functionality and user satisfaction.
• Conducted SWOT, Gap, and Root Cause Analyses to optimize loan management workflows.
• Improved risk tracking by integrating data analytics, API frameworks, and CRM touchpoints for better borrower engagement.
• Growth Path: Assistant Manager / Apr’13 - Mar’18, Business Analyst / Apr’18 - Mar’21, Manager - SME - Business Analyst / Apr’21 - Jul’24

Project 2: Lending Automation System (LAS)

• Client: Union Bank of India | Application: Finacle, SAS Analytics, Experian PowerCurve, CIBIL | Role: Business Analyst / SME | Period: Apr’18 – Mar’21
• Overview: End-to-end automation of loan origination to disbursement, integrating risk engines, compliance checks, and customer data analytics to streamline decision-making and reduce operational errors.

Responsibilities:

• Captured business needs and authored detailed BRD and FRD documentation.
• Identified automation opportunities across the loan lifecycle application, approval, and disbursement.
• Integrated KYC, AML, and Basel III compliance requirements with system functionalities.
• Defined use cases aligned with digital lending goals and regulatory standards.
• Led UAT efforts, aligning business expectations with development outcomes.
• Collaborated with IT, compliance, and business stakeholders to ensure project alignment.
• Applied Business Process Reengineering (BPR) to enhance credit evaluation and fraud controls.

Role: Assistant Manager | Application: Finacle, LAS, CERSAI, CIBIL | Period: Apr’13 – Mar’18

Responsibilities:

• Managed credit processing, loan assessments, and regulatory compliance.
• Led cross-functional coordination between Loan, Risk, and IT Teams.
• Ensured daily operational integrity, cash handling, and audit readiness.
• Supported branch customers in onboarding, transactions, and issue resolution.
• Drove performance tracking and team leadership initiatives at the branch level.