Brinda Joshi
Senior Business Analyst
Chennai
Summary
Results-driven Banking Business Analyst with 18+ years of deep domain expertise in Cards Issuing, Merchant Acquiring, and Digital Payments. Proven success in driving digital transformation initiatives, end-to-end UAT and functional testing, and aligning financial systems with compliance standards like AML, KYC.
Hands-on experience in Agile project environments, collaborating with cross-functional teams and stakeholders to deliver scalable, secure, and regulatory-compliant solutions. Recognized for strong problem-solving abilities, data-driven insights, and consistent delivery of business value in fast-paced environments
Overview
19
19
years of professional experience
9
9
years of post-secondary education
6
6
Certifications
5
5
Languages
Work History
Banking Business Analyst
Xerago
09.2023 - Current
- Leading digital banking transformation projects for an Australian bank, focusing on payments and card services
- Managing end-to-end UAT and functional testing for critical banking applications
- Driving Agile project execution, coordinating sprints, and stakeholder engagement
- Ensuring compliance with banking regulations, AML/KYC policies
Senior Business Analyst – Cards & Payments
Citibank
06.2006 - 07.2023
- Spearheaded payment solutions and card lifecycle management, ensuring seamless operations for issuing and acquiring
- Conducted extensive functional, regression, and UAT testing for banking applications
- Managed major migrations, including Citi ECS & One Banking One Customer ID, ensuring smooth system integration
- Worked closely with regulatory teams to align with financial compliance standards (AML, KYC)
- Led merchant acquiring operations, handling credit risk assessment and transaction processing
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Analyzed data to identify root causes of problems and recommend corrective actions.
- Collaborated with stakeholders to identify business needs and data sources.
Education
Finance
University of Madras
Chennai 12.2012 - 06.2017
Master of Commerce -
University of Madras
Chennai 06.2005 - 05.2007
Bachelor of Commerce -
Meenakshi College For Women
Chennai 06.2000 - 05.2003
Skills
- Payments industry knowledge
- Cards & Payments Domain Expertise
Issuing, Acquiring, Reconciliation
- Financial Domain Testing
UAT, Functional Testing
- Banking Operations & Risk Management
KYC, AML, Compliance
- Agile Project Execution
Sprint Planning, Scrum Mastery
- Stakeholder & Client Engagement
Business Requirement Gathering
- Technical Tools & Testing
Selenium (Conceptual), JIRA, Power BI
- Digital Banking Transformation
Web and homepage development initiatives
Process 0ptimization, Risk Mitigation
Certification
Certified Anti-Money Laundering Investigator (CAMI)
Timeline
Banking Business Analyst
Xerago
09.2023 - Current
Finance
University of Madras
12.2012 - 06.2017
Senior Business Analyst – Cards & Payments
Citibank
06.2006 - 07.2023
Master of Commerce -
University of Madras
06.2005 - 05.2007
Bachelor of Commerce -
Meenakshi College For Women
06.2000 - 05.2003
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