JIRA
NITIKA BHANDARI
Business Analyst - Journey Expert
Bangalore,KA
Summary
Results-driven Business Analyst with over 16 years of experience in Banking and Financial Services, including 3+ years in core Business Analysis roles at ANZ. Strong expertise in end-to-end requirements lifecycle, business and functional requirements, user stories, and Agile/Scrum delivery, with a solid understanding of SDLC/STLC, System Integration Testing (SIT), User Acceptance Testing (UAT), process modelling and stakeholder management. Proven ability to bridge business and technology teams to drive digital transformation, platform modernization, automation, and regulatory change initiatives. Experienced in delivering high-impact Business Analysis solutions across Risk, Wholesale Lending, and Operations domains for global stakeholders.
Overview
17
17
years of professional experience
3
3
Certifications
2
2
Languages
Work History
BUSINESS ANALYST
ANZ Support Services
02.2023 - Current
- Led change management and end-to-end requirements lifecycle for enterprise risk platform initiatives; partnered with Product Owners, Scrum Masters, and delivery teams within Agile ceremonies to deliver high-value business outcomes.
- Facilitated stakeholder workshops to elicit business, functional, and non-functional requirements; authored BRD, FSD, and user stories, and translated requirements into workflow diagrams and data mappings to support solution design and prioritization.
- Led the enterprise risk platform and data migration from a legacy SharePoint system to a microservices-based platform using PostgreSQL; ensured data integrity, resolved migration issues, and embedded migration learnings into future releases, governance, and control frameworks.
- Designed and executed test scenarios and test cases; supported System Integration Testing (SIT), User Acceptance Testing (UAT), regression testing, and Build Verification Testing (BVT) for platform upgrades and releases.
- Performed impact analysis and risk assessment for change requests and releases; monitored project lifecycles to identify delivery risks, and implement mitigation strategies proactively.
- Digitized the process to record financial difficulty for high-risk clients, reducing manual effort, improving data accuracy, strengthening compliance and audit readiness, and accelerating case turnaround time for regulatory and management reporting.
RISK ANALYST
ANZ Support Services
02.2023 - 12.2023
- Managed enterprise risk platforms, providing Level-2 functional support, and resolving user and stakeholder queries using interface and functional documentation.
- Logged, tracked, and analyzed incidents, service requests, and enhancements in the Risk Platform; produced operational dashboards, and identified process improvement opportunities.
- Designed and implemented User Access Management (UAM) workflows across platform modules, improving access governance and SLA compliance.
- Supported UAT and BVT for platform upgrades; defined standardized BVT procedures, and conducted weekly platform health checks to ensure system stability.
PRODUCTION LEAD – LETTER OF OFFER DOCUMENTATION
ANZ Support Services
03.2020 - 01.2023
- Managed complex, high-risk lending documentation processes with strict SLA, and regulatory adherence.
- Led automation initiatives for the Letter of Offer (LoO) generation, improving turnaround time and accuracy.
- Prepared business impact analysis, capacity planning, and workforce forecasts, dashboards, and management MIS to support operational planning and decision-making.
- Identified process gaps through root cause analysis, and drove continuous improvement initiatives.
PRODUCTION LEAD – AUDIT CERTIFICATES & INVOICE PAYMENTS
ANZ Support Services
07.2017 - 02.2020
- Implemented RPA initiatives that improved operational efficiency, reduced manual effort, and delivered measurable cost savings.
- Led the transition and stabilization for the specialized lending payments process.
- Served as a Subject Matter Expert for audit certificates and invoice payments and Designed quality accreditation frameworks and remediation plans.
ANALYST/ SENIOR ANALYST
ANZ Support Services
10.2010 - 06.2017
- Improved team productivity by streamlining workflows, implementing time-saving strategies, and mentoring junior analysts.
- Mentored and trained junior analysts to strengthen skills, and improve overall team performance.
- Awarded Best Performer of the Year in 2013 for consistent delivery excellence.
ANALYST
ANZ Support Services
06.2010 - 05.2015
- Prepared and issued audit confirmation certificates for business entities; validated invoice details, and performed daily GL reconciliations to ensure accuracy and compliance.
- Awarded Best Performer of the Year in 2013 for consistent delivery excellence.
ASSISTANT MANAGER – WHOLESALE BANKING
HDFC Bank
08.2008 - 07.2009
- Managed corporate client servicing, escalations, MIS, and customized reporting.
- Led and mentored a 12-member team handling email setups, corporate referrals, charge reversals, balance confirmations, and client-specific MIS.
Education
B.Com - Accounting And Finance
Meerut University, Meerut (U.P)
MBA - International Business Management
Meerut University Campus, Meerut (U.P)
Skills
- Requirements Gathering and Documentation
- Process Optimization and Risk Management
- Creation of User Stories and UAT
- Change Management
- Stakeholder Management
- Analytical Problem-Solving
- Data Modelling and Analysis
- Business Analysis Tools and Techniques
Software
Confluence
Microsoft Office Suite
SharePoint
Certification
One Year Certification in Applied Financial Risk Management, IIM Indore, 2023 (Grade ‘B’)
Timeline
BUSINESS ANALYST
ANZ Support Services
02.2023 - Current
RISK ANALYST
ANZ Support Services
02.2023 - 12.2023
PRODUCTION LEAD – LETTER OF OFFER DOCUMENTATION
ANZ Support Services
03.2020 - 01.2023
PRODUCTION LEAD – AUDIT CERTIFICATES & INVOICE PAYMENTS
ANZ Support Services
07.2017 - 02.2020
ANALYST/ SENIOR ANALYST
ANZ Support Services
10.2010 - 06.2017
ANALYST
ANZ Support Services
06.2010 - 05.2015
ASSISTANT MANAGER – WHOLESALE BANKING
HDFC Bank
08.2008 - 07.2009
B.Com - Accounting And Finance
Meerut University, Meerut (U.P)
MBA - International Business Management
Meerut University Campus, Meerut (U.P)