Open To Work
Akshay Mogarkar
Business Analyst
Pune,MH
Summary
Hands-on Business Analyst with over 3.5 years of experience in the banking and cards domain, specializing in card acquiring, merchant POS/EDC terminals, and payment systems. Strong experience in merchant onboarding, acquiring transaction flows, settlements, reconciliation, refunds, and chargebacks. Proven ability to manage bank stakeholders, vendors, and merchants, translate business needs into BRD, FRD, user stories, and support SIT/UAT through successful delivery. Experienced in working within regulated banking environments, and contract-based delivery models.
Overview
4
4
years of professional experience
Work History
Senior Associate Consultant – Business Analyst
Infosys
Pune
07.2025 - Current
- Working as a hands-on Business Analyst on banking and payment-related initiatives.
- Gathered and analyzed requirements from bank stakeholders and internal teams.
- Prepared BRD/FRD inputs, RTM, and supported functional design discussions.
- Supported SIT and UAT cycles, including test planning, execution, and defect tracking.
- Coordinated with product, engineering, QA, and business users to ensure requirement alignment.
- Ensured solutions adhered to banking compliance and delivery standards.
Business Solutions Specialist – Business Analyst (Cards Acquiring / POS)
Pine Labs
Pune
07.2024 - 07.2025
- Served as Business Analyst for Cards Acquiring and Merchant POS solutions.
- Led end-to-end requirements gathering for:
- Merchant onboarding journeys
- POS / EDC terminal transaction flows
- Acquiring authorization, clearing, and settlement
- Reconciliation, refunds, and chargebacks
- Created BRD, FRD, FSD, user stories, acceptance criteria, and RTM.
- Worked closely with banks (HDFC, ICICI, SBI, Axis, BOB, Kotak) on acquiring integrations.
- Coordinated with terminal vendors, switch teams, and merchant partners.
- Led UAT cycles, validated settlement reports and reconciliation outputs.
- Performed SQL-based analysis to identify transaction failures and settlement mismatches.
- Key Projects
- Merchant POS onboarding & terminal certification
- POS–Bank switch integration
- Settlement & reconciliation workflow implementation
- EMI and rewards enablement on POS terminals
Team Lead – Business Analyst (Payments & Cards)
Paytm
Pune
05.2023 - 04.2024
- Led BA activities for cards, UPI, wallet, merchant, and dispute workflows.
- Defined requirements for merchant lifecycle, acquiring flows, settlements, and disputes.
- Created epics, user stories, FRD/FSD, and process maps.
- Worked with banks, compliance, operations, product, and engineering teams.
- Supported end-to-end UAT, production readiness, and post-go-live validation.
- Ensured adherence to regulatory and compliance requirements in payments.
Junior Business Analyst
NoBrokerHood
Pune
02.2022 - 04.2023
- Gathered requirements for billing, payments, reconciliation, and gateway integrations.
- Prepared BRD, FSD, API flow diagrams, and workflow documentation.
- Supported UAT and defect management.
- Built Power BI dashboards for collections, dues, and reconciliation.
- Worked on UPI, card, and net banking payment flows.
Education
Bachelor of Engineering - Mechanical Engineering
Sant Gadge Baba Amravati University
07-2018
Skills
- Banking and cards expertise
- Retail and payments knowledge
- Acquirer workflows management
- Merchant onboarding and lifecycle
- POS and EDC systems
- Settlement, reconciliation, and chargebacks
- Payment systems and processing
- Business analysis skills
- Requirements documentation and gathering
- Business requirement documents (BRD)
- Functional requirement documents (FRD)
- Functional specification documents (FSD)
- Requirements traceability matrix (RTM)
- User stories and acceptance criteria
- Process mapping and workflow diagrams
- Stakeholder management with vendors and merchants
- UAT and SIT support coordination
- Vendor management skills
- Regulatory compliance in banking
- Jira project management
- Confluence documentation tools
- SQL database proficiency
- Excel data analysis
- Power BI reporting tools
Languages
- English: Fluent
- Hindi: Proficient
- Marathi: Native
Languages
Marathi
Native language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Work Preference
Work Type
Full TimeContract WorkLocation Preference
On-SiteRemoteHybridTimeline
Senior Associate Consultant – Business Analyst
Infosys
07.2025 - Current
Business Solutions Specialist – Business Analyst (Cards Acquiring / POS)
Pine Labs
07.2024 - 07.2025
Team Lead – Business Analyst (Payments & Cards)
Paytm
05.2023 - 04.2024
Junior Business Analyst
NoBrokerHood
02.2022 - 04.2023
Bachelor of Engineering - Mechanical Engineering
Sant Gadge Baba Amravati University