SANCHITA GOSWAMI
Senior Business Analyst
Mumbai
Summary
Senior Business Analyst with 7+ years of experience in banking, lending systems, and credit risk management across APAC and Middle East markets. Proven expertise in Loan Origination Systems (LOS), RAROC, ECL, Basel frameworks, and regulatory reporting. Strong track record of delivering end-to-end implementations for banks and financial institutions across Malaysia, KSA, Bahrain, and Philippines. Adept at bridging business and technology, driving process optimization, and delivering scalable digital solutions.
Overview
13
13
years of professional experience
Work History
Senior Business Analyst
Cognext Analytics
Mumbai
12.2022 - Current
- Leading business analysis for credit risk and analytics platforms
- Working on RAROC, ECL calculations, and Basel compliance frameworks
- Partnering with stakeholders to translate regulatory requirements into system solutions
- Driving data visualization and reporting initiatives for risk insights
- Collaborating with cross-functional teams to deliver scalable analytics solutions
- Key Clients: Mizuho Americas (USA), Bank of Bahrain and Kuwait (Bahrain), Fidelity Bank (Nigeria), HBTF (Jordan), NBF (UAE), Qatar National Bank (Qatar)
Business Analyst – Lending Systems
Azentio (3i Infotech)
Mumbai
12.2017 - 11.2022
- Worked on Universal Lending Solution (ULS) for multiple international banks
- Delivered implementations for clients across Malaysia, KSA, Bahrain, Philippines
- Led requirement gathering and created FSDs, test cases, and UAT plans
- Conducted functional, regression, integration, and performance testing
- Coordinated with developers, DBAs, and UI teams for system enhancements
- Configured lending products as per regional regulatory requirements
- Acted as key liaison between business stakeholders and technical teams
- Key Clients: Credit Guarantee Corporation (Malaysia), China Bank Savings (Philippines), Tamweel AlOula, Emkan Finance, Al Hokair (KSA), NFH (Bahrain)
Article Assistant (Audit & Taxation)
Lakhani Ismaili Tundiya & Co.
Ahmedabad
02.2013 - 01.2016
- Performed internal audits and compliance reviews
- Managed tax filings (Income Tax, Service Tax) for multiple entities
- Supported company incorporation and regulatory documentation
Education
PGDM - Finance
ITM Business School
Navi Mumbai06.2018
B.Com -
IGNOU
Ahmedabad12.2013
CA - CPT & IPCC (Group I Cleared)
ICAI
Ahmedabad05.2012
Skills
Loan Origination Systems (LOS)
Credit Risk (RAROC, ECL, Basel)
Business Analysis & Requirement Gathering
Functional Specification Documents (FSD)
UAT, Regression & Integration Testing
Stakeholder Management (Banking Clients – MEA & APAC)
Data Analysis & Reporting (Tableau)
Agile & Waterfall Methodologies
Tools: Tableau, Salesforce, MS Office
Systems: Lending Platforms, Core Banking Systems
OS: Windows, iOS
Strong exposure to Middle East banking domain (KSA, Bahrain)
Experience in end-to-end system implementation lifecycle
Ability to align regulatory business technical requirements
Proven stakeholder management across geographies
Timeline
Senior Business Analyst
Cognext Analytics
12.2022 - Current
Business Analyst – Lending Systems
Azentio (3i Infotech)
12.2017 - 11.2022
Article Assistant (Audit & Taxation)
Lakhani Ismaili Tundiya & Co.
02.2013 - 01.2016
PGDM - Finance
ITM Business School
B.Com -
IGNOU
CA - CPT & IPCC (Group I Cleared)
ICAI
### ADDITIONAL INFORMATION
- Languages: English, Hindi
- Location Preference: Dubai / UAE
- Notice Period: [Add Here]