Bhagyesh Mukane
Data & Business analyst
Mumbai
Summary
Experienced Senior Business Analyst specializing in API banking and data analytics. Focus on API lifecycle management, digital lending workflows, and cross-functional coordination. Skilled in requirements elicitation, gap analysis, API documentation, and leading UAT efforts. Certified in AI/ML technologies for enhanced data-driven decision-making processes.
Overview
3
3
years of professional experience
9
9
years of post-secondary education
1
1
Certificate
Work History
Credit Decisioning (API + Rule Engine)
HDFC Bank
Mumbai, Maharashtra
11.2024 - Current
- Engaged with cross-functional teams to elicit and document business requirements via structured workshops for a rule engine platform using Red Hat Decision Manager (RHDM).
- Configured and deployed lending products (Retail, Home, SME Loans) in agile sprints, improving approval accuracy and reducing processing time by 25%.
- Led migration of decisioning workflows from legacy platforms to an in-house rule engine, enhancing system interoperability and increasing throughput by 40%.
- Translated business cases and user stories into detailed technical specifications, ensuring seamless developer execution and alignment with business goals.
- Mapped process flows and system interactions to streamline workflows, boosting operational efficiency by 20% and improving stakeholder visibility.
- Performed gap analysis between current and target-state processes to identify automation opportunities in digital lending workflows.
- Partnered with QA teams to define test cases and validate business rules through UAT cycles, minimizing post-deployment defects.
- Facilitated sprint planning, backlog grooming, and daily stand-ups as part of agile ceremonies to ensure timely delivery of project milestones.
- Coordinated with product owners and tech leads to prioritize feature enhancements based on business impact and compliance requirements.
- Developed business process models (BPMN) and use case diagrams to communicate logic flows and strengthen stakeholder understanding.
Accessway – API Orchestration Platform & AKUA Server
HDFC Bank
02.2024 - 10.2024
- Defined API specifications and performed gap analysis for API migration of existing customer authentication and eKYC workflows.
- Designed AKUA, a microservices-based AUA/KUA server enabling scalable eKYC and Demographic Authentication via multiple ASAs (NPCI, NSDL).
- Embedded UIDAI audit log requirements, improving compliance and traceability.
- Led UAT cycles validating API logic, reducing post-production defects by 25%.
API Adda – API Gateway Design & Policy Implementation
HDFC Bank
08.2023 - 01.2024
- Contributed to the strategy and design of API Adda, aligning gateway specifications with API Policy guidelines and RBI compliance.
- Defined governance models for API onboarding, entitlement, and security controls.
- Collaborated with architecture teams to enable API monetization and partner integration.
Business Loan Journey – Functional & Integration Testing
HDFC Bank
03.2022 - 07.2023
- Conducted functional and integration testing for Journey APIs as part of initial API Banking engagement.
- Authored UAT test cases for BRE APIs and validated workflow integrations with third-party systems.
- Used service virtualization for early-stage testing, enabling faster defect resolution.
Education
PG Program - AI/ML
UT Austin
05-2025
M.Tech - Electronics & Telecom
VJTI
B.Tech - Electronics & Telecom
Symbiosis Institute
Diploma - Electronics & Telecom
VES Polytechnic
Skills
Business & API SkillsBusiness Analysis & API Integrations, API Lifecycle Management (Swagger, Postman), Functional Specs & UAT Testing
Certification
PG Program in AI/ML – University of Texas at Austin, 2025
Timeline
Credit Decisioning (API + Rule Engine)
HDFC Bank
11.2024 - Current
Accessway – API Orchestration Platform & AKUA Server
HDFC Bank
02.2024 - 10.2024
API Adda – API Gateway Design & Policy Implementation
HDFC Bank
08.2023 - 01.2024
Business Loan Journey – Functional & Integration Testing
HDFC Bank
03.2022 - 07.2023
B.Tech - Electronics & Telecom
Symbiosis Institute
Diploma - Electronics & Telecom
VES Polytechnic
PG Program - AI/ML
UT Austin
M.Tech - Electronics & Telecom
VJTI
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