BHAGWAN CHANDRAKANT GAWDE
Business Analyst With 14+ Years Of Experience In Banking, NBFCs, And Payment Services
Ambernath
Summary
Results-driven project leader with a proven track record of managing projects from initial requirement gathering to successful deployment. Expertise in preparing comprehensive functional specifications and conducting thorough impact assessments to ensure alignment with business objectives. Strong collaboration skills demonstrated through effective coordination with developers, testers, and subject matter experts, facilitating seamless project delivery. Committed to driving efficiency and quality throughout all phases of the project lifecycle.
Overview
3
3
Languages
14
14
years of professional experience
Work History
Manager – IT
Utkarsh Small Finance Bank
12.2023 - Current
- Led projects including Credit Card on UPI, RuPay International, and Co-branded Credit Cards.
- Defined scope, managed documentation, and ensured process adherence.
- Acted as test lead for UATs and production fixes.
- Supported switch migration (AGS → Hitachi) and CBS migration (Intellect → Finacle).
Technical Analyst – ATM
AU Small Finance Bank
08.2022 - 09.2023
- Delivered support for ATM and debit card systems ensuring 24x7 availability.
- Conducted SIT/UAT and handled regulatory requirements.
- Scoped BAU requests and monitored project progress.
- Supported CBS Flexcube upgrade (v10.6 → v11.x).
Deputy Manager – IT
Utkarsh Small Finance Bank
11.2020 - 07.2022
- Led projects from requirement gathering to deployment.
- Prepared functional specifications and conducted impact assessments.
- Coordinated with developers, testers, and SMEs for smooth delivery.
Senior Executive
Tenjumps Softech Pvt Ltd
11.2019 - 07.2020
- Specialized in Base24 configurations, BIN changes, and system monitoring.
Senior Executive
AGS Transact Technologies Ltd
07.2017 - 11.2019
- Supported UATs and production queries.
- Developed initiatives like ATM downloads and disaster recovery setup.
Technical Support Engineer
Sggezza India Pvt Ltd
08.2014 - 07.2017
- Conducted AML monitoring and suspicious transaction reporting.
- Managed Pelican system integration and DR drills.
Customer Support Engineer
HCL Infosystems Ltd
10.2013 - 04.2014
- Provided first-level support for EFT switch and transaction reconciliations.
Software Developer
Right Source Management
01.2013 - 09.2013
- Designed and implemented software features, debugging, and documentation.
Education
Bachelor of Science - Information Technology
04.2001 -
Skills
Mainframe development certification
Awareness training for PCI DSS requirements
Timeline
Manager – IT - Utkarsh Small Finance Bank
12.2023 - Current
Technical Analyst – ATM - AU Small Finance Bank
08.2022 - 09.2023
Deputy Manager – IT - Utkarsh Small Finance Bank
11.2020 - 07.2022
Senior Executive - Tenjumps Softech Pvt Ltd
11.2019 - 07.2020
Senior Executive - AGS Transact Technologies Ltd
07.2017 - 11.2019
Technical Support Engineer - Sggezza India Pvt Ltd
08.2014 - 07.2017
Customer Support Engineer - HCL Infosystems Ltd
10.2013 - 04.2014
Software Developer - Right Source Management
01.2013 - 09.2013
University of Mumbai - Bachelor of Science, Information Technology
04.2001 -
playing cricket, reading book
Business Analyst with 14+ years of experience in banking, NBFCs, and payment services, specializing in credit/debit card operations, ATM systems, and digital transaction technologies. Proven expertise in system migrations, UAT leadership, vendor management, and regulatory compliance. Adept at bridging business and IT teams to deliver seamless card solutions, improve transaction efficiency, and ensure compliance with industry standards. Recognized for driving process improvements, enhancing customer experience, and delivering projects aligned with organizational goals.