Akash Goel
Delhi
Summary
Results-driven Lead Business Analyst with over 10 years in Banking and Financial Services, specializing in Business Analysis and Digital Lending Transformation. Expertise in gathering requirements and collaborating with business and technology teams to deliver effective lending solutions. In-depth knowledge of Conventional and Islamic Banking, Consumer Finance, Auto Finance, Credit Risk, and Loan Origination.
Overview
10
10
years of professional experience
Work History
Lead Business Analyst
Newgen Software Technologies Ltd.
12.2023 - Current
- Lead business analysis activities for digital lending transformation projects.
- Facilitated requirement gathering sessions and client workshops to align stakeholder expectations.
- Prepare BRDs, FRDs, User Stories and functional specifications.
- Design end-to-end customer journeys for Mortgage and Islamic Banking products.
- Perform As-Is/To-Be analysis and gap analysis.
- Collaborate with Product Owners, Developers and QA teams.
- Participate in Sprint Planning, Daily Stand-ups and Reviews.
- Support SIT, UAT, production deployment and issue resolution.
- Present solution walkthroughs and obtain stakeholder sign-off.
- Ensure compliance with business and regulatory requirements.
Manager – Underwriting
IDFC FIRST Bank
09.2022 - 12.2023
- Collaborated with business and collections teams to enhance underwriting quality, detailing requirements and testing processes for automation of legal and valuation functions.
- Prepared MIS and portfolio reports while conducting RCA for delinquent accounts to ensure compliance with turnaround time and policy standards.
- Evaluated education loan applications, making informed credit decisions based on policy guidelines.
Deputy Manager
Axis Bank
08.2021 - 09.2022
- Led STP journey analysis for Northern region, coordinating with Sales and Operations to enhance application count and minimize delinquency.
- Processed retail credit card applications while achieving quality and turnaround targets through effective team collaboration.
- Led daily operations, ensuring compliance with banking regulations and policies.
- Managed customer relationships, addressing inquiries and resolving service issues.
- Oversaw team performance, providing training and support to enhance skills.
Deputy Manager
HDFC Bank
09.2019 - 08.2021
- Oversaw underwriting for retail lending products, assessing financial documents and repayment capacity to ensure sound decision-making.
- Analyzed delinquency trends to ensure compliance with RBI guidelines.
- Worked with IT team, Policy, QA and Sales teams for creating flow and implementing the automation for FI.
Senior Associate
WNS Global Services
01.2018 - 08.2019
- Processed education loan applications, verifying applicant documents to ensure compliance and accuracy.
- Managed application pipeline while maintaining service level agreements and quality standards.
Analyst
Xceedance Consulting India Pvt. Ltd.
06.2016 - 12.2017
- Supported insurance underwriting operations by preparing accurate submissions and quotations to streamline decision-making.
- Performed quality checks and developed SOPs while training new joiners to ensure consistent operational standards.
Education
MBA - Finance & Marketing
Delhi Institute of Advanced Studies
BBA -
Ideal Institute of Management & Technology
Skills
- Business Analysis
- Requirement Gathering
- Stakeholder Management
- Client Workshops
- Requirements documentation
- Functional specifications
- Process improvement requirements
- UAT
- Gap Analysis
- Process Mapping
- Agile
- Process optimization
- Retail Lending
- Islamic Banking
- Regulatory Compliance
- Jira
- Microsoft Excel
- Agile
Personal Information
Title: Lead Business Analyst
Projects
- United Arab Bank (UAE), Mortgage Journey, Mortgage Valuation, Operations Workflow and customer journey design.
- Gulf Bank Kuwait, Islamic Banking Transformation covering Tawarruq, Murabaha and Vehicle Finance.
- Taajeer Finance, Contributed to finance transformation project.
Accomplishments
- 2026, Hi-Five Award for contribution to the UAB Islamic Banking Project.
- 2025, Pinnacle Award for outstanding project contribution.
- 2024, Pinnacle Award for Taajeer Finance project contribution.
- 2024, Hi-Five Award from the team for outstanding performance.
Timeline
Lead Business Analyst
Newgen Software Technologies Ltd.
12.2023 - Current
Manager – Underwriting
IDFC FIRST Bank
09.2022 - 12.2023
Deputy Manager
Axis Bank
08.2021 - 09.2022
Deputy Manager
HDFC Bank
09.2019 - 08.2021
Senior Associate
WNS Global Services
01.2018 - 08.2019
Analyst
Xceedance Consulting India Pvt. Ltd.
06.2016 - 12.2017
MBA - Finance & Marketing
Delhi Institute of Advanced Studies
BBA -
Ideal Institute of Management & Technology