AISHWARYA RAVICHANDRAN
Bangalore
Summary
- A Detail oriented and self motivated professional with over 9 years of experience in various Product roles in the Banking and Financial services domain. Domain expertise in Cards, Loans, Rural and Retail Banking Products
- Expertise in product ownership, requirements elicitation, specifying and modelling requirements, negotiate and prioritize requirements, functional specification, high level technical design, system context diagrams, interface analysis, traceability, working as a bridge between business & technical teams and stakeholder communication.
- Guide development team, QA and UAT teams. Ensure test coverage and implementation support.
- Handled projects that span across platforms end to end including scope analysis, estimation, resource planning, stakeholder management and change management.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Product Owner
American Express
08.2024 - Current
- Parent company- Turnberry solutions, Client- American Express
- Acted as the Product Owner for the migration of the AR (Accounts Receivable) platform from Globestar (legacy system) to MARS, a modern, in-house built AR solution under the Global capability level
- Owned and prioritized product backlog items, drove sprint planning, and coordinated cross-functional Agile teams to ensure timely and accurate platform migration.
- Led market-specific initiatives for Canada, managing migration and feature readiness for a suite of 22 financial products, including Charge Cards, Revolve, and Pay-Over-Time products.
- Partnered closely with tech, compliance, operations, and business stakeholders to align requirements, manage risk, and ensure regulatory compliance during transition.
- Supported roadmap planning and strategic readiness for Mexico market expansion, contributing to backlog creation, dependency mapping, and preliminary capability assessment.
Product Owner
Standard Chartered Bank
01.2023 - 08.2024
- Parent company- Terabit Consulting, Client- Standard Chartered Bank
- Setting up the Digitalized Credit card and Personal Loan Journey for Hong Kong market.
- Customer data analytics and market analysis to propose features that would improve the customer experience and achieve end to end STP flow of applications.
- Managed the Credit Bureau- Score card changes, Credit Bureau Regulatory requirements for the Malaysia market.
- Handle Product Owner and Business Analyst responsibilities for the entire project including requirement elicitation, documentation and user story creation for the end to end journey.
- Back log prioritization and own Product roadmap
- High level solution design and defining interfaces with other internal and external systems
- Handhold the development team for build, work with QA and UAT support team to ensure test coverage and delivery of usable product
- End to end Delivery support from requirements to Implementation including Stakeholder management.
PMO Office- Team Member
L&T Financial Services
05.2018 - 12.2023
- Managing Setup and Project implementation of Hunter App for tracking fraud of live cases punched against Two Wheeler & Home loan within LTFS
- Hunter is a fraud risk control application by Experian where the entire rule for tracking suspicious activity and de-dupe is coded, it screens and highlights potentially fraudulent applications before the cases get disbursed
- Involved in complete Hunter App set up and implementation of Hunter (Fraud Monitoring and Detection System) at L&T Finance LTD for Two-wheeler and Housing Products
- Build process note for the actionable to be performed by different team for further investigation of the identified cases
- To determine the Business Process Improvement by identifying & analyzing the current existing process followed within LTFS
Credit Manager- Rural and Retail Products
L&T Financial Services
05.2016 - 04.2018
- Responsible for appraising and Underwriting Farm loans belonging to Karnataka Location
- Handling more than 300 proposals on monthly basis with a credit limit of 10 lakhs and maintaining a TAT of 4 hours for NSTP cases
- Assessing the Credit worthiness of Prospective Borrowers as per the Credit Policy
Keeping and maintaining a Tab of the Non Starter Portfolio % as per benchmarks communicated from management - Scrutiny of the documents in line with the fraud control unit for validating the originality of the same
- Identification of fraud trigger and reporting the same to RCU
Perform Hind sighting on monthly basis and respond to Audit queries on timely basis - To report Key trends and changing market practices to Management and Risk Committee
- Leading Pan India Micro Finance Underwriting Team on daily basis, monitoring their work allocation, daily MIS-duty discharge summary, reporting to superior regarding their work performance on a monthly basis.
Education
Master in Marketing -
SIES College of management Studies, Nerul
B.E in Information Technology -
Pillai's Institute of Technology, Panvel
12th -
Maharashtra Board, Mumbai
10th -
Maharashtra Board, Mumbai
Skills
- Product Ownership
- Effective communication
- Leadership and Mentoring
- Digital Transformation
- Agile methodology (JIRA)
- Requirement Elicitation and Modelling (Use cases, User Stories)
- Confluence
- Implementation and Post Install Support
- Stakeholder management
- Git-Hub Copilot
Key Projects handled
- Digitalization and STP enablement for Credit Card and Personal Loan product in Hong Kong Market
- Malaysia- Credit Bureau changes and score card Changes
- Experian Hunter: Experian Hunter is fraud detection system built by Experian; it monitors & prevents loan sourcing for any kind of fraud committed by User/ applications across multiple channels from multiple peer organizations. Hunter prevents at point sourcing for application, Identifies & monitors for fraudulent behavior within existing customer needs and screens new applications for any kind suspicious activities carried
- Sangam Application: In-house LOS application for TW & Farm loan within LTFS, which facilitates instant decisioning of cases punched (as it is integrated with Business Rule Engine) for both Two-Wheeler & Farm Equipment's with a faster disbursal of funds to customers with a significant reduced TAT.
Personal Information
Certification
- Agile Product Ownership Certification
Timeline
Product Owner
American Express
08.2024 - Current
Product Owner
Standard Chartered Bank
01.2023 - 08.2024
PMO Office- Team Member
L&T Financial Services
05.2018 - 12.2023
Credit Manager- Rural and Retail Products
L&T Financial Services
05.2016 - 04.2018
B.E in Information Technology -
Pillai's Institute of Technology, Panvel
12th -
Maharashtra Board, Mumbai
Master in Marketing -
SIES College of management Studies, Nerul
10th -
Maharashtra Board, Mumbai
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