Mangesh Raut
Pune
Summary
Dynamic Business Analyst and Certified Scrum Master with 12+ years of experience driving Agile delivery, product ownership, and digital transformation across BFSI. Specialized in Open Banking APIs, Cross-Border Payments, and Regulatory Compliance (PSD2, CBUAE, SAMA).
Proven success in managing end-to-end product lifecycle, conducting daily stand-ups, sprint planning, and facilitating cross-functional team collaboration across geographies.
Delivered high-impact solutions involving real-time payments, API monetization, and secure fintech integrations using OAuth 2.0, ISO 20022, and sandbox environments.
Skilled in stakeholder management, BRD/FSD creation, backlog grooming, and Agile tools like JIRA, Confluence,
Overview
12
12
years of professional experience
5
5
Certification
Work History
Business Analyst - Payments & Open Banking at HSBC
Synechron Technologies
Pune
01.2023 - 06.2024
- Company Overview: HSBC, Pune
- Gathered requirements for real-time cross-border payments including FX conversions, fee transparency, and settlement via Nostro accounts
- Defined functional specs for Account Information (AISP), Payment Initiation (PISP), and Confirmation of Funds APIs as per Open Banking standards
- Aligned API design with PSD2, CBUAE, and SAMA regulations; supported secure tokenization using OAuth 2.0 and Strong Customer Authentication (SCA)
- Integrated payment flow with sanctions screening engine and SWIFT/ISO 20022 message formatting (pain.001/pacs.008)
- Coordinated with developers and security architects to deliver sandbox testing environment and supported TPP onboarding via HSBC Developer Portal
- Enabled real-time fee and FX rate display using treasury-managed APIs to enhance transparency and regulatory compliance
- Led UAT testing and API validation using Postman, Swagger, and defined test cases for payments and consent management flows
- HSBC, Pune
Lead Digital Analyst - Product Owner
Synechron Technologies
Pune
12.2020 - 12.2022
- Company Overview: HSBC, Pune
- Defined product vision, strategy, and roadmaps for digital user journeys across 4 global regions
- Led discovery workshops and translated user experience flows into functional user stories
- Leveraged reusable API components to standardize integration across different markets
- Managed cross-functional teams and aligned delivery sprints using SAFe Agile framework
- Enabled migration to cloud-based microservices for improved scalability and maintainability
- HSBC, Pune
Business Analyst
GoldenSource India Pvt. Ltd.
02.2017 - 08.2020
- Captured client-specific requirements for market data enrichment, pricing validations, and regulatory compliance
- Managed configuration for curves, rates, tolerance breach, and exception reporting workflows
- Worked with Bloomberg and Reuters feeds for daily pricing and performed data validation using SQL
- Provided UAT support and trained business users on GoldenSource market data modules
- Enabled automation of pricing breach alerts and configured workflows for regulatory compliance reporting
Business Analyst
Accenture
Mumbai
02.2015 - 02.2017
Associate Business Analyst
Financial Technologies India Ltd.
Mumbai
10.2012 - 02.2015
Education
MBA - Finance
Cardiff Business School
UKB.E. - Electronics and Telecommunication
University of Mumbai
Skills
- Cross-Border Payments
- Open Banking API Design
- Regulatory Compliance
- Capital Market
- Real-Time Payment Transparency
- Digital Banking
- API Gateway Integration
- OAuth 20
- Digital Transformation
- Consent Lifecycle
- Sandbox Testing
- TPP Onboarding Enablement
- Agile Practices
- Scrum Practices
- JIRA
- Confluence
- User Story Grooming
- Stakeholder Collaboration
- Data analysis
- SQL querying
- Requirement gathering
- Project management
Certification
- CBAP - Certified Business Analysis Professional (IIBA)
- CSM - Certified Scrum Master (Scrum Alliance)
- SAFe Agilist - Scaled Agile Framework
- CSPO - Certified Scrum Product Owner
- ITIL - Foundation Certified
- NCFM - Capital Markets & Derivatives Modules (NSE)
Projects
HSBC – Cross-Border Payments Modernization & Open Banking API Enablement
Business Analyst – Payments & Open Banking | Synechron Technologies – HSBC, Pune | Jan 2021 – Dec 2022
- Led API and regulatory analysis for cross-border payment modernization across PSD2 (EU), CBUAE (UAE), and SAMA (Saudi).
- Defined specs for AISP, PISP, and Funds Confirmation APIs; implemented OAuth 2.0 and SCA.
- Integrated ISO 20022 (pain.001/pacs.008) messaging and sanctions screening with SWIFT flows.
- Enabled FX transparency and fee breakdowns via Treasury APIs.
- Delivered UAT plans and sandbox testing for TPP onboarding using Postman and Swagger.
Key Capabilities
- Cross-Border Payments (SWIFT MT103, ISO 20022 pain.001/pacs.008)
- Open Banking API Design - AISP, PISP, Confirmation of Funds
- Regulatory Compliance - PSD2, SAMA, CBUAE frameworks
- FX Conversion, Real-Time Payment Transparency, Nostro Management
- API Gateway Integration, OAuth 2.0, SCA, Consent Lifecycle
- Sandbox Testing and TPP Onboarding Enablement
- Agile/Scrum Practices, JIRA/Confluence, User Story Grooming
- Stakeholder Collaboration - Product Owners, Treasury, Compliance
Project 2 - HSBC – Banking 2.0 Digital Experience Transformation
Lead Digital Analyst – Product Owner | Synechron Technologies – HSBC, Pune | Jan 2019 – Dec 2020
- Led product design and Agile delivery for “Move Money” and “Homepage” journeys across 4 global regions.
- Defined roadmap, backlog, and user stories for AEM-based digital banking components.
- Standardized reusable APIs for market rollouts and enabled migration to cloud-native microservices.
- Facilitated discovery workshops, sprint planning, and stakeholder alignment under SAFe framework.
Project 3- GoldenSource – Reference Data & Pricing Master Implementation
Business Analyst | GoldenSource India Pvt. Ltd. | Feb 2017 – Aug 2020
- Implemented market data and pricing modules for global banks using GoldenSource EDM.
- Managed data enrichment, breach detection, and exception workflows for equities and fixed income.
- Integrated Bloomberg/Reuters feeds and validated pricing using SQL-based reconciliation.
- Delivered UAT training and enabled automation of pricing compliance reports.
Timeline
Business Analyst - Payments & Open Banking at HSBC
Synechron Technologies
01.2023 - 06.2024
Lead Digital Analyst - Product Owner
Synechron Technologies
12.2020 - 12.2022
Business Analyst
GoldenSource India Pvt. Ltd.
02.2017 - 08.2020
Business Analyst
Accenture
02.2015 - 02.2017
Associate Business Analyst
Financial Technologies India Ltd.
10.2012 - 02.2015
MBA - Finance
Cardiff Business School
B.E. - Electronics and Telecommunication
University of Mumbai
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