Saivignesh Jayaraman

Project: Digital transformation of Shriram finance ltd.

• Elicit /translate business requirements by clients to development team and ensure smooth release
• Responsible for Digital product transformation, Digital lending, LOS, LMS of retail Lending from the scratch specifically retail Lending
• Development of various B2C and B2B solutions for retail lending such as ZIVA, Shricity, Spay, STFC-SCUF super app etc.
• Preparation of user stories, BRD, flowcharts, wire diagrams.
• Creation of functional specification document (FSD), Software requirement specification (SRS), API documents with guidance from Various stakeholders with clear and concise manner easily understandable by technical team.
• Support implementation of requirements by the development team and testing team.
• Responsible for answering business questions from the developers.
• Preparation of various Business & product presentation regarding recent trends of existing products or new products.
• Responsible for prototype design of various lending applications through MS Visio, figma, powerpoint etc.
• Development of Epics and user stories discussed in various sprints in JIRA.
• Attending scrum meetings to understand the challenges from development, testing team in project phase.

• Customer Onboarding and Disbursement Management : Oversee the onboarding of customers in Salesforce and manage disbursements through Finacle.
• Manage business operations within the assigned territory through Direct Sales Teams (DSTs) and Direct Selling Agents (DSAs), focusing on Prime sector Home Loans.
• Maintain a comprehensive database of borrowers in compliance with bank standards. Conduct field investigations of customer residence and office addresses as part of due diligence.
• Review lender portfolios to identify potential risks related to legal, technical, and profile aspects.
• Visit clients' locations to gather deal requirements and financial information necessary for loan structuring.
• Conduct personal discussions with customers to evaluate business viability and potential risks before loan approval. Ensure proper compliance with company policies and regulatory regulations throughout the loan lifecycle.
• Manage stakeholders' loan proposals and ensure proper compliance with policies and regulations during sourcing, disbursement, and post-disbursement phases. Monitor post-disbursement portfolios and ensure timely collection of EMIs.
• Evaluate customer financials and conduct Risk Control Unit (RCU) checks in coordination with the credit team to sanction and disburse loans.
• Raise Mantis requests to address various IT issues occurring in Salesforce in accordance with established procedures.

• Managed DSA Channel for Home Loan business through direct sales agents across Chennai
• Reviewed the lender portfolios to identify the possible risks in legal technical and profile
• Imparted product training to vendors for adhering banking regulators and provided suggestions for various business ideas
• Examined documents to determine degree of risk from factors such as the applicant's financial standing and value and condition of the property

• Joined as a probationary officer and deputed as Homeloan's and LAP deputy manager.
• Oversee end-to-end transactions of home loans and mortgage loans while ensuring adherence to Anti-Money Laundering/Know Your Customer (AML/KYC) guidelines.
• Preparing various business reports and reconcile key deliverables related to home loans and mortgage loans.
• Conduct daily meetings with stakeholders from Credit, Operations, Risk Control Unit (RCU), Pre-Disbursement Due Diligence (PDD), and Collections teams to facilitate end-to-end funding processes for clients.
• Analyze the financial position of clients and identify appropriate banking solutions tailored to their requirements.
• Hands on expertise in Finacle, CRM , Loan onboarding systems, loan management solutions.
• Develop key procedures for the business team by preparing documentation, models, and presentations to ensure consistency and clarity in operations.
• Spearhead the development of a digital channel in the mortgage business as a special task, reporting directly to senior leadership team of bank.
• Manage relationships with online financial service providers such as BankBazaar, MyLoanCare, and various digital channels to optimize offerings and customer experience.

Project: Digital transformation of Indian Overseas bank

• Assisting clients in leveraging technology to optimize business processes, enhance cybersecurity, implement digital transformation initiatives, and adopt emerging technologies in BFSI space.
• Responsible for consulting and implementation of digital transformation products such as Document management system, LOS, CASA onboarding solution, deduplication solution, CKYC, Risk profiling, negative screening solutions.
• Responsible for requirement gathering, BRD creation, data flow diagram preparation, FSD preparation/review, wireframes creation, test case preparation/review, CBS data mapping, API payload review, API integration, supporting server configuration activities, participating UAT review and testing, obtaining security clearances and Go-live activities.
• Managing project governance activities such as project planning, conducting project meetings with stakeholders, raising day to day issues in project cadence discussion, preparing and establishing RAID logs, preparing and establishing action tracker, preparing and establishing weekly status reports, providing project status and way forward inputs for steering committee meetings.
• Responsible for leading daily working group discussions centered on specific workstreams or functional areas within the project. Facilitated collaboration among the QA team, clients, developers, ISD team, and infrastructure team to meticulously plan, execute, and troubleshoot issues relevant to their respective domains.
• work closely with clients to understand their specific needs and challenges, develop tailored solutions, and deliver value-added services that help achieve their strategic objectives.
• Developing functional specification documents (FSD) in a clear and concise manner that can be easily understood by the technical team, with guidance from team members.
• Preparing and presenting informative presentations to clients on recent trends that can be applied to existing or new products.