Bharath Swaminathan
Chennai,Tamil Nadu
Summary
Senior Business Analyst with 10+ years of experience leading digital transformation projects across BFSI. Expertise in modernizing core lending platforms (LOS/LMS), implementing AI/ML-driven solutions, automating high-volume processes, and driving cloud (AWS) migration strategies. Proven ability to align product, technology, and business teams to deliver scalable digital solutions that cut costs, improve TAT, and enhance regulatory compliance. Key Strengths: Digital Strategy
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Business Analyst
Nissan Renault Financial Service Private Limited
05.2022 - Current
- Core System Upgrade | WhatsApp Banking | Digital Agreement Signing | Customer Portal | Video KYC Implementation | S3 Migration | ECL | Aadhaar Masking API integration
- Delivered digital-first onboarding journeys including vKYC, digital agreement workflows, and AI-driven customer communication (WhatsApp & Chatbot), reducing onboarding TAT and improving compliance.
- Led modernization of core LOS, LMS, and Collections platforms, achieving significant improvements in system uptime, scalability, and processing speed.
- Spearheaded AWS cloud data migration, establishing S3-based data lake architecture that reduced storage costs and strengthened disaster recovery capability.
- Directed execution of automation initiatives across lending operations, eliminating manual touchpoints and improving workforce productivity.
- Collaborated with CXOs and functional heads to align digital roadmap with business growth priorities.
- Managed UAT, post-production support, and handled service tickets using Jira, Bugzilla & Service Connect.
Business Analyst
Kotak Mahindra Bank
09.2020 - 05.2022
- Dealer Funding System | SDLC | Oracle 18c | Java | Jira | Service Now
- Designed & deployed automated dealer funding platform improving accuracy & transaction throughput.
- Built real-time analytics dashboards for leadership decision-making.
- Streamlined lending operations improving TAT & operational efficiency.
- Awarded Innovator Award (2023) for delivering high-impact digital banking solutions.
Functional Analyst
HDFC Bank
09.2019 - 03.2020
- Consumer Durable | Debit Card EMI Loan | ASP.Net | SQL 13.0
- Implemented Debit Card EMI solution with major merchant integrations.
- Collaborated with data science teams on AI-based credit scoring, reducing approval TAT.
- Conducted BA activities: BRD, FRD, solution walkthrough UAT & deployment support.
Business Analyst
Kotak Mahindra Bank
01.2018 - 09.2019
- Retail LOS | Wholesale LOS | DWH Integration Testing
- Loan origination system for corporate loans, including borrower onboarding, workflow creation, documentation, etc.
- Conducted requirement gathering sessions, created Business Requirement Documents.
- Tested UAT patches, supported post-production issues.
Business Analyst
ICICI Bank
08.2012 - 01.2018
- CMART Upgrade| Application Integration | Application Architecture | DB upgrade | Application Upgrade
- Re-designed application architecture, upgraded applications, and databases.
- Conducted requirement discussions, created technical documents.
- Tested UAT patches, supported post-production issues.
Education
PGDBM - Banking & Finance
Manipal University
Benagaluru05.2012
Master of Computer Applications -
SASTRA University
Thanjavur05.2011
Bachelor of Computer Science -
Adaikala Matha College of Arts & Science
Thanjavur05.2009
Skills
- Ticketing Tools: Service Now Jira Bugzilla
- Development Methodology: Agile Waterfall
- Office Tools: MS - Word Excel Power Point Figma MS Visio
- Data Base: Oracle 12c, 18c SQL 130
- API Tools: SOAP UI, Postman
- Agile Development Continuous Improvement Production Deployment Technical Support UAT
- Collaborative Skill
Certification
Certified Scrum Master (CSM) by Scrum Alliance
LANGUAGES
Tamil, English, Hindi
AWARDS
Digital Milestone | 2024 | NRFSI & Multiple Monthly & Quarterly achievement awards, Innovator Award | 2023 | Kotak, Best Performance | 2018 | ICICI
CORE COMPETENCIES
- Digital Transformation & Modernization
- Business Analysis & Requirements Engineering
- Process Automation
- Lending Platforms – BFSI (LOS, LMS, Collections, Insurance)
- Dashboards, Insights & Reporting (SQL)
- Agile/Scrum, Sprint Planning, UAT Management
- Stakeholder & Vendor Management
DIGITAL PROJECTS
- WhatsApp Chatbot: Interactive service CS team
- Customer Service Portal: Web | Android | iOS application
- Digital Signature: CORE System API integration with Third Party Vendor & NeSL for Agreement Digital Signature
- Expected Credit Loss: Financial computation tool for Finance Team
- EKYC Verification APIs: PAN, Aadhaar, Aadhaar masking, DL, Passport
- Video KYC: CORE system integrated with VKYC system for customer digital verification.
- Bank Aggregator: CORE system integration with third party API for digital validation of Bank statements.
- Application Revamp: NRFSI Website | Digital Field Investigation | Personal Loan Upgrade | Core System Replacement including LOS, LMS & Collections systems
Timeline
Senior Business Analyst
Nissan Renault Financial Service Private Limited
05.2022 - Current
Business Analyst
Kotak Mahindra Bank
09.2020 - 05.2022
Functional Analyst
HDFC Bank
09.2019 - 03.2020
Business Analyst
Kotak Mahindra Bank
01.2018 - 09.2019
Business Analyst
ICICI Bank
08.2012 - 01.2018
PGDBM - Banking & Finance
Manipal University
Master of Computer Applications -
SASTRA University
Bachelor of Computer Science -
Adaikala Matha College of Arts & Science