Kiran Ghagare

Project: NAB Edge (National Australia Bank)

Project: Credit Card Launch Platform (PNC Bank)

Delivered credit card launch platform that prioritized usability, security, and customization. Designed features including rewards programs, credit access, and mobile interface for improved customer engagement.

• Served as acting Product Owner for credit card launch platform, collaborating with multidisciplinary teams to deliver innovative customer experiences.
• Gathered and analyzed customer requirements, defining user stories to guide development process
• Consulted on features like auto-population of customer data and real-time credit limit updates to enhance application efficiency.
• Ensured timely delivery of project milestones through effective communication and coordination.

Project: Ajman Digital Wallet Launch (First Abu Dhabi Bank)

Led the Ajman Digital Wallet launch for First Abu Dhabi Bank, enhancing payment convenience and security.

• Collaborated with stakeholders to define business objectives and user requirements.
• Conducted market research and trend analysis to ensure the competitiveness of the digital wallet product.
• Facilitated workshops with cross-functional teams to align on project goals and objectives.
• Created and maintained comprehensive project documentation, including use cases, and business process flows.

Project: Domestic Payment Regulation for NRI Customers (RBL Bank).

Executed project to decline NRI payments through domestic accounts, ensuring regulatory compliance.

• Drove development of technical solutions aligned with bank IT strategy and standards.
• Designed and implemented scalable, resilient systems using cloud-based technologies and microservices architecture.
• Collaborated with project managers and stakeholders to deliver project milestones on schedule.
• Managed project risks and issues to maintain progress and efficiency.

Project: Military Lending Act (Army and Air Force Exchange Services)

Provided offers for consumer credit transactions to Servicemembers and dependents, ensuring specific protections. Designed project to prevent financial harm for customers on active duty living on military pay scale. Implemented limitations on APR exceeding 36% to safeguard service members' finances.

• Developed functional and technical design documents based on received business requirement documents.
• Organized and prioritized backlog items to optimize workflows and resource allocation.
• Communicated timelines and project criticality to business stakeholders based on team capacity.
• Provided weekly updates on project progress, highlighting risks, and cross-team dependencies.

Project: Skip payments for COVID-19 (Capital One Financial)

Facilitated waiver of past due fees for customers affected by Covid-19 in line with federal guidance. Deployed skip payment functionality to enable support for impacted partnership customers.

• Developed functional and technical design documents from business requirements documentation.
• Assigned projects and delegated tasks based on team members' expertise.
• Guided creation of impacted population analysis based on account status, and payment details.
• Analyzed system parameters to define skip payment criteria on the ARQB screen.
• Identified fields for dialer suppression and credit bureau suppression, aiding development and testing.

Project: Hurricane Relief Plan (Capital One Financial)

Executed the Hurricane Relief Plan to facilitate refunds for incorrectly charged amounts and penalty credits. Provided relief to partnership card members in FEMA-declared areas through fee waivers and grace periods.

• Prepared functional and technical design documents based on the received BRD from the business solution group.
• Reviewed late fee credit adjustments for customers in FEMA-declared areas.
• Developed an extraction setup for validating past-due fees from AMSS and AMSL statement history files.
• Designed a validation process to assess payment scenarios prior to due dates, ensuring accurate late fee reversals.
• Executed credit bureau suppression for accounts, mitigating the negative impact on customer credit scores.

Project: Direct Merchant Metris Conversion (HSBC Bank)

Executed migration of FDR/Metris accounts from FDR platform to TSYS platform.

• Assisted in software planning, development, testing, and production implementation processes.
• Generated source code using COBOL, JCL, and VSAM, based on current development standards.
• Delivered code that adhered to functional and technical specifications.
• Reviewed and enhanced unit and integration tests to elevate software quality and reliability.

Project: LAC GA Release 11.01 (First Data International)

Executed customizations on base libraries of Vision Plus for LAC GA Release 11.01 project. Conducted an extensive analysis of existing codes and procedures to identify enhancement opportunities.

• Collaborated with the FDI-LAC Team to align project deliverables with client requirements.
• Created a Functional Specification Document from business requirements, detailing the scope, risks, and use cases.
• Created an LMS batch program for posting credit points to customer accounts based on the provided records.
• Monitored system integration testing and user acceptance testing batches, resolving critical issues within SLA.
• Executed various ad-hoc tasks, including account boarding and parameter settings on CMS green screens.