Nitika Bhandari
Business Analyst | Risk Systems | Change Management | BFSI
Bengaluru
Summary
Results-driven Business Analyst with 16+ years in Banking and Financial Services, including 3+ years at ANZ within the Risk Systems Change Management function. Specialises in AI-augmented delivery - leveraging Microsoft Copilot and Ensayo to accelerate story authoring, test scenario generation, workflows, and wireframes - alongside deep expertise in requirements management, platform modernisation, and regulatory change. Proven track record of bridging business and technology, managing cross-functional stakeholder groups, and delivering complex transformation across Risk, Wholesale Lending, and Operations. Seeking senior-level opportunities where BFSI domain depth, AI tooling fluency, and delivery leadership create measurable value.
Overview
18
18
years of professional experience
1
1
Certification
2
2
Languages
Work History
Business Analyst - Change Management, Risk Systems
ANZ Support Services
02.2023 - Current
- Led change management and end-to-end requirements lifecycle for enterprise risk platform initiatives for nine modules; partnered with the Product Owner, Scrum Master, 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 epics/user stories; and translated requirements into workflow diagrams, data mappings, and working wireframes using Microsoft Copilot to accelerate solution visualization and stakeholder sign-off, reducing requirements rework.
- Led the end-to-end migration of the enterprise risk platform from a legacy SharePoint system to a microservices-based platform using PostgreSQL, successfully migrating seven years of historical records with zero critical data loss.
- Designed and executed test scenarios using Ensayo 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 financial hardship recording process for high-risk clients, eliminating 100% manual data entry end-to-end, accelerating case resolution, and ensuring full audit trail completeness to satisfy regulatory and management reporting SLAs.
Production Lead - Lending Documentation Transformation
ANZ Support Services
03.2020 - 01.2023
- Acted as a Business SME, partnering with technology teams on automation and system enhancements.
- Led letter of offer automation initiatives, improving operational efficiency, and regulatory compliance.
- Performed business impact assessments, supporting transformation initiatives.
- Developed dashboards and management reporting insights to support capacity planning, work allocation, and data-driven decision-making across lending operations.
Production Lead - Audit & Payments Operations
ANZ Support Services
07.2017 - 02.2020
- Delivered three Robotic Process Automation (RPA) driven process improvements across lending and payments operations, achieving a 40% reduction in FTE dependency, and materially reducing manual effort.
- Led the transition and stabilization of the specialized lending payment process.
- Designed governance and quality frameworks improve the operational control environment.
Analyst / Senior Analyst - Wholesale Lending Ops
ANZ Support Services
10.2010 - 06.2017
- Improved workflow efficiency through process optimization initiatives.
- Mentored analysts, and enhanced team delivery capability.
- Awarded Best Performer of the Year (2013).
Assistant Manager - Wholesale Banking
HDFC Bank
08.2008 - 07.2009
- Managed corporate banking client servicing and reporting operations.
- Led a 12-member team handling corporate account support and MIS delivery.
Education
Bachelor of Commerce - Accounting And Economics
Meerut College
04.2001 -
MBA - International Business Management
Meerut University Campus
04.2001 -
Skills
CategorySkills & ToolsAI & ProductivityMicrosoft Copilot (M365)
Career Highlights
- Led end-to-end enterprise risk platform migration from legacy SharePoint to a modern microservices architecture, successfully transitioning 7 years of historical records with zero critical data loss and no operational disruption.
- Digitised the end-to-end financial hardship recording process for high-risk clients, reducing case turnaround time and eliminating 100% of manual data entry, strengthening audit trail completeness and meeting regulatory and management reporting SLAs.
- Managed cross-functional stakeholder groups across business, operations, and technology - including developers, architects, and senior business representatives - to align requirements and drive delivery across platform.
- Accelerated requirements sign-off by deploying AI-assisted wireframing (Microsoft Copilot) and automated test scenarios (Ensayo), reducing requirements rework cycles across Agile squads.
- Delivered 3 Robotic Process Automation (RPA) driven process improvements across lending and payments operations, reducing manual effort and FTE dependency.
Certification
Applied Financial Risk Management - IIM Indore
Timeline
Applied Financial Risk Management - IIM Indore
12-2023
Business Analyst - Change Management, Risk Systems
ANZ Support Services
02.2023 - Current
Production Lead - Lending Documentation Transformation
ANZ Support Services
03.2020 - 01.2023
Production Lead - Audit & Payments Operations
ANZ Support Services
07.2017 - 02.2020
Analyst / Senior Analyst - Wholesale Lending Ops
ANZ Support Services
10.2010 - 06.2017
Assistant Manager - Wholesale Banking
HDFC Bank
08.2008 - 07.2009
Bachelor of Commerce - Accounting And Economics
Meerut College
04.2001 -
MBA - International Business Management
Meerut University Campus
04.2001 -