Certified as a CSPO and results-driven professional with 14+ years of overall experience, including 6.5+ years as a Business Analyst/Product Owner in the payments and banking domain (cross-border payments, SWIFT messaging).
Specialized in SWIFT message formats including MT103, MT202, MT940, MT942, and MX messages such as PAINxxx, PACSxxx, CAMTxxx.
Strong domain knowledge in international and domestic payments, with hands-on experience supporting banks in USA, Canada and Singapore.
Expertise in High Value Payments, Low Value Payments, ISO standards and global payment protocols: SWIFT MT/MX, HVPS+, CBPR+, CGIMP, ISO 15022/20022. Cognizant Gen-AI Foundational certified.
Understanding of Machine learning Pipeline, Vector embeddings, SVM, supervised and unsupervised learning. Understanding of basic level of architecture of RAG.
Participated in PI planning, PO sync. In-depth understanding of clearing and settlement systems: ACH, NACHA, RTGS.
Worked with Payment gateways(Bottom Line-GT Exchange). Experience in Agile/Scrum environments: conducting backlog grooming, setting prioritization, and writing user stories and acceptance criteria aligned with stakeholder goals.
Basic knowledge on Payment engines and Payment hubs.
Knowledge about SEPA, SEPA Direct Debit. Knowledge on AWS(basic exposure to EC2, S3, IAM, Lambda).
Experience in Change adoption, digital transformation, customer onboarding.
Familiar with Middleware, Service-Oriented Architecture (SOA), KAFKA, MQ and integration patterns in financial ecosystems.
Overview
10
10
years of professional experience
2011
2011
years of post-secondary education
7
7
Certifications
Work History
Role:Senior Business Analyst/Proxy Product Owner
Cognizant Technology Solutions
07.2024 - Current
Client: BFSI
Defined functional use cases and system behaviours for message schema uploads(user/system-defined), manual edit mapping automated run conversion.
Analyzed business requirements to support message format conversions between legacy SWIFT MT and ISO 20022 MX formats (MT103-Pacs.008,MT940camt.052)
Facilitated mapping workshops between business and technology teams to define field level transformations for payments, reporting, statements and advices.
Worked in translating and upscaling/downscaling of MT/MX messages and worked with Payment Gateway (Bottom Line-GT Exchange).
Created message mapping specifications covering data element matching, conditional logic and usage rules across SWIFT-ISO 2022, FED-ISO 20022.
Acted as Proxy Product Owner, making day-to-day product decisions to unblock development teams, ensuring alignment with strategic product vision and compliance standards.
Coordinated with developers and solution architects to ensure correct implementation of message schemas and field level validations.
Role:Product Owner
Vlink Inc
10.2023 - 07.2024
Client:BFSI
Led the UX redesign and product modernization of the bank's mobile and internet banking platforms, enhancing core journeys like M2M (Me to Me), M2NMO (Me to Non-My Own), M2B (Me to Business), Deposits, and both internal (H→H) and external (H→R) flows.
Created and managed a detailed product backlog; defined epics, user stories, acceptance criteria, and technical enablers aligned with Agile delivery milestones.
Collaborated closely with UX/UI teams to validate wireframes, customer journey flows, and interaction patterns for transaction modules, ensuring accessibility and responsiveness across devices.
Aligned payment flows with regulatory requirements such as AML, KYC, transaction thresholds, and role-based access control, ensuring regulatory compliance across all flows.
Partnered with middleware, core banking, and SWIFT integration teams to facilitate internal host-to-host (H→H) and external host-to-remote (H→R) flows using ISO 20022 standards and SWIFT MT/MX mapping.
Prioritized features in collaboration with business stakeholders, leveraging frameworks like MoSCoW and value-driven prioritization to deliver high-impact functionalities first.
Conducted and led Agile ceremonies including backlog grooming, sprint planning, retrospectives, and product reviews; worked across onshore/offshore squads ensuring delivery velocity.
Defined and tracked KPIs such as conversion rate improvements, reduced drop-offs, and faster onboarding across new UX flows for payments and deposits.
Role:Business Analyst
GTT Inc
04.2023 - 06.2023
Client: BFSI
Acted as a liaison between product, IT, and sales teams to understand customer demand for new features and prioritize the product roadmap.
Created Business Matrix and had an agreement with stakeholders.
Created user stories.
Developing product vision & strategy with continuous product improvement.
Managed Scrum, Stake holder management, Streamlined the Scrum process and managed backlog as company was in working previously on waterfall and help them migrating to Scrum/Agile.
Role :Business Analyst
Talentburst Inc(Infinity Offshores)
08.2015 - 03.2023
Project 1: Automation Of Payments, Project 2:Automation OF ERP,Project 3: HRMS Project, Client: Real Estate, BFSI
Role: Business Analyst
Responsibilities
Another project involved Host to Host connection and electronic fund transfer of Payments of customer with our organization for automating the implementation of process.
SWIFT MT 940/942 Payment Automating Payroll, SWIFT MX PAIN.001 and Vendor Payments.
Created Epic, User stories in Jira and used Confluence etc.
Automated Process flow implemented within Purchase order that was managed.
Stakeholder management and Conducted JAD Brainstorming session for requirement gathering.
Consulted with Tech team for selection of SFTP server to push and pull request of data.
Chose the payment product and SWIFT message MT 940/942, MX message PAIN.001/PAIN .002 and cross border payment.
Involved in Finance transformation Automated there, B2B, B2C, (P2P Payment Creation) within NetSuite ERP.
Participated in Scrum ceremonies.
Role: Business Analyst
Responsibilities
Created BRD for Automating the Purchase order process Flow from ERP NetSuite to AP team.
Introduced threshold value if PO value of USD/SGD is below certain value it will route via Chrome River and if value is greater than certain value it will route via NetSuite based on Value also transparency was to set so that each approver can see the approver of prior level.
Engaged in stakeholder communication talking with finance SME collaborating with NetSuite SME to make change.
Dealing with change requirement wrote User stories, Acceptance Criteria, wrote some SQL queries to retrieve data,
Draw process flow and diagrams with Draw.IO.
Involved in SIT with Positive and negative testing.
Role: Business Analyst
Involved in overall activities related to Recruitment Automation of Consultant onboarding.
Created customized business solution for HR by creating ATS integration Platform, post recruitment activities & manpower index as per business expansion need through HR Work line Software.
Created a HRMS portal to automate the entire details which basically includes the requirements for managing the personal data, controlling the authentication and authorization mechanism and evaluating of employees’ performance.
Conducting Gap Analysis, Scope Analysis, Impact Analysis on Business Process using techniques like use case diagrams (UML), Context Diagram, Flow charts & Requirement Analysis & Design Definition (RADD).
Conducting “AS-IS” and “TO-BE” analysis and suggest fit for Business Solutions by designing a Change Strategy.
Prioritization of requirements using MOSCOW and Business Value methods followed by documenting as BRD, FRD, Change Request.
Sr. Executive Support at Cognizant technology Solutions, Cognizant Technology SolutionsSr. Executive Support at Cognizant technology Solutions, Cognizant Technology Solutions