Pankaj Tiwari
Ambernath East
Summary
- Business Analyst Profile
- 15 years of diverse experience in Business Analysis & Consulting Projects across Technology Domains (Payments & Core Banking). Over 10 years' experience in BA, Implementation & Testing in payments.
- Hands on Experience in Business Requirement Analysis in Payments Fund Transfer (SWIFT), Payment Collections (ISO20022), ISO 20022 Migration (MT-MX), US Real Time Payments (RTP), US Request For Payment (RFP), Cross Border Payments (CBPR+), RTGS, SEPA-Direct Debits (SDD), Credit Transfers (SCT), SWIFT GPI, API, MT1XX/MT2XX/MT9XX, Various pain&pacs Messages, Oracle Banking Payments (OBPM), Oracle Flex cube (FCUBS), CASA, Core Banking (SAP)/Misys BFUB and Web based applications.
- Proficient in requirement elicitation, requirement gathering and analysis, understanding customer requirements& needs, writing functional specs. (BRD/FRD), reviewing and providing signoffs on testing artifacts, conducting and steering requirement meetings and follow-ups. Provide requirement walkthrough to development/QA teams. Liaise with QA/UAT/Ops team in testing and reviewing test cases and issues. Stakeholder management and defining future product roadmaps. Responding to RFPs/Pre-Sales for both existing and new customers
- Expertise in Payment Gateways/Global Clearing Connector-Payment Transformation, Validations, Message Mappings, Connectivity to Swift/Clearing Houses (MQ/API), Security Encryption, Vendor Integration with Banks via APIs.
- Well acquainted with the Software Development Life Cycle (SDLC) of applications, Agile (Scrum), Testing concepts and methodologies.
- Hands On experience JIRA/Confluence/Visio/Lucid. Ability to understand and interpret Functional Requirements and Documents. Working knowledge in SQL.
Overview
15
15
years of professional experience
Work History
Associate Consultant
Coforge Ltd
Pune
01.2026 - Current
- Drove requirements process and followed Agile practices, owning end-to-end requirements documentation, ensuring timely review, approval, and sign-off, providing support throughout project lifecycle until handoff to production.
- Ensured traceability of business requirements through functional artifacts; led team of business analysts in project delivery, achieving on-time completion and high customer satisfaction.
- Worked in collaboration with business and IT stakeholders to determine requirements and functional flows.
- Document business requirements and user stories, design decisions and specifications for new and ongoing projects to establish a clear understanding of the stakeholders ‘needs.
- Communicate with clarity, impact and passion to inspire audiences and create a shared understanding and commitment.
- Encouraged and applied best practices within team, ensuring functional product quality.
Business Analyst- Associate Specialist
Synechron Technologies Pvt. Ltd
Pune
09.2024 - 01.2026
- In-depth knowledge and experience of project execution in agile framework with extensive hands-on experience in tools such as Clarity/ JIRA/ MS Project/ confluence etc.
- Strong understanding of Retail banking & how change drives benefits for bank, customers and other stakeholders.
- Gained expertise in ISO 20022 and SWIFT formats while managing payment schemes.
- Managed customer channel implementation for mobile banking applications and web browsers.
- Acquired in-depth understanding of the project lifecycle through various project roles.
- End to end project delivery experience through all stages - Idea; Definition (Req refinement/Tech discovery; Implementation; Testing; Governance, Closure
- Strong experience of managing Risks, Dependencies, Methods to track delivery status
- Demonstrated proficiency in techniques for adopting organizational change during projects.
- Interacted with and influenced senior stakeholders to facilitate decision-making for achieving desired project outcomes.
- Problem solving ability with adherence to stringent timelines in fast paced environment.
- Led teams to establish consistency by sharing best practices for defining, managing, and monitoring complex, multi-market projects.
Business Analyst (Associate Vice President)
JP Morgan Services Pvt. Ltd.
Mumbai
11.2022 - 02.2024
- Facilitated discussions to elicit and understand business needs, requirements, and priorities, enabling effective prioritization and project management with senior stakeholders.
- Provided architectural blueprints to bridge the gap between the business and IT teams; recommended tools, technologies, and redesigned processes.
- Led engagement meetings with cross-functional partners and worked with them to identify forthcoming business initiatives that may impact regulatory reporting.
- Performed cross- product impact analysis and shared implications of new product offerings on the existing set of regulatory reporting. Produced regulatory and product changes roadmaps to support book of work prioritization.
- Maintained regulation inventory and acted as a point of contact for internal stakeholders, assisting in regulation-related queries. Contributed to the global team's knowledge base, maintained up- to- date procedures, and supported the delivery of key metrics for the team.
Lead Business Analyst
Synechron Technologies Pvt. Ltd.
Pune
10.2021 - 10.2022
- Facilitated discussions to elicit and prioritize business needs and requirements, managing project timelines with senior stakeholders.
- Administered project planning, effort estimation, scope management, and resource coordination, ensuring successful sign-offs and adherence to project goals.
- Conducted requirement workshops, demos, and design meetings with senior stakeholders in business and technology to influence, build consensus, and control scope.
- Developed prototypes for projects, including screen design, using BA tools, and wrote user stories for multiple Product Owners and internal stakeholders.
- Prepared Business Requirements Documents, Use Case Specifications, Functional Specifications, Systems Specifications, Requirement Traceability Matrix, and Testing Documents.
- Provided architectural blueprints to bridge the gap between the business and IT teams; recommended tools, technologies, and redesigned processes.
- Interfaced with Development, QA, and Support teams to clarify requirements and deliver innovative products and solutions, generating new ideas and prototypes.
- Maintained healthy business relations with clients and ensured high customer satisfaction metrics by achieving delivery and service quality norms.
Technical Implementation Manager
Tata Consultancy Services
Thane
07.2018 - 09.2021
- Proficient execution of delivery processes and procedures; defined and managed the scope and schedule of projects, balancing client and company expectations.
- Efficiently planned, tracked, reported, prioritized, and handled escalations while identifying, monitoring, and mitigating project risks.
- Communicated with clients on payment solutions, project risk analysis, and escalations, ensuring alignment on project goals and addressing concerns proactively.
- Maintained timely communication with stakeholders, facilitating transparency and collaboration throughout project lifecycle.
- Liaised with presales and sales on all commercial matters affecting the project.
- Gathered business requirements through client interaction and process mapping, translating them into actionable business solutions across project phases.
- Guided clients in the creation of payment files using SAP IDOC, XML, Paymul, and CP2E files.
- Applied different project methodologies such as Waterfall, Agile, and Kanban.
Senior Associate in Remittances
BNP Paribas India Solutions Pvt. Ltd.
Mumbai
03.2016 - 07.2018
- Managed Gulf payments and SWIFT query messages, ensuring effective communication with banks via SWIFT, Fed, and CHIPS messages.
- Processed MT 202, MT 103, MT 200, MT 110, and other inquiry messages.
- Facilitated stakeholder coordination and led retrospective meetings to enhance project outcomes.
- Collected and organized project requirements from stakeholders to ensure clarity.
- Understood user requirements and application capabilities by reading BRD, FRD, TDD, and user manuals.
Senior Team Member
JP Morgan Services Pvt. Ltd.
Mumbai
11.2014 - 03.2016
- Communicated with all banks through SWIFT, Fed, and CHIPS. Reviewed, researched, and disposed of funds transfers by crediting client accounts or returning funds to the remitting bank. Reviewed and processed accounting for compensation claims on behalf of clients. Monitored transaction activity (queues) and controlled settlement time frames for fund transfers (cut-off GTAT).
- Verified electronic wire transfer instructions for US dollar transactions from messaging systems including SWIFT and Fed to ensure compliance and accuracy.
- Sent MT 202, MT 103, MT 200, MT 110, and other inquiry messages; communicated with Customer Service Officer (CSO) to resolve transaction queries promptly through calls and emails.
- Proposed system enhancements to reduce costs.
Team Member
JP Morgan Services Pvt. Ltd.
Mumbai
03.2011 - 04.2014
- Managed end-of-day settlement transactions while training new joiners on Global Funds Control processes.
- Supported quarterly risk reviews, addressed client service officer queries, and investigated transaction discrepancies.
- Verified electronic wire transfer instructions for US dollar currency received from several messaging systems such as SWIFT and Fed.
- Calculated overdrafts and transferred funds according to deadlines. Assisted the debit party with all queries related to account balances.
- Contributed to escrow mergers and acquisitions projects, enhancing operational efficiency and compliance.
Education
Master of Management Studies - Financial Management
K. J. Somaiya College
MumbaiBachelor of Management Studies -
S. K. Somaiya College
MumbaiSkills
- Payment Processing
- Payments analysis
- Data analysis
- Requirement elicitation and gathering
- Specification development
- Business Process Mapping
- Agile (Scrum)
- JIRA/Confluence/Visio/Lucid
- Stakeholder management
Personal Information
- Date of Birth: 10/26/89
- Nationality: Indian
- Place of Birth: Mulund
Timeline
Associate Consultant
Coforge Ltd
01.2026 - Current
Business Analyst- Associate Specialist
Synechron Technologies Pvt. Ltd
09.2024 - 01.2026
Business Analyst (Associate Vice President)
JP Morgan Services Pvt. Ltd.
11.2022 - 02.2024
Lead Business Analyst
Synechron Technologies Pvt. Ltd.
10.2021 - 10.2022
Technical Implementation Manager
Tata Consultancy Services
07.2018 - 09.2021
Senior Associate in Remittances
BNP Paribas India Solutions Pvt. Ltd.
03.2016 - 07.2018
Senior Team Member
JP Morgan Services Pvt. Ltd.
11.2014 - 03.2016
Team Member
JP Morgan Services Pvt. Ltd.
03.2011 - 04.2014
Master of Management Studies - Financial Management
K. J. Somaiya College
Bachelor of Management Studies -
S. K. Somaiya College