SUSMITA DEULGAONKAR
Summary
Management Consultant with 5+ years of experience across financial services, consulting, fintech, and business transformation. Experienced in structured problem solving, stakeholder engagement, transformation initiatives, and solution development across banking and financial-services clients. Strong exposure to presales, proposal management, RFP responses, PoCs and PoVs, translating client challenges into actionable solutions and compelling business narratives. Currently leveraging Generative AI to consulting workflows and financial-services use cases.
Overview
6
6
years of professional experience
Work History
Management Consultant
Infosys Consulting
06.2026 - Current
- Support financial-services consulting engagements across private banking and fintech, structuring business problems, identifying opportunities, and developing transformation solutions with business and technology stakeholders.
- Support presales and business development across the fintech practice, including opportunity assessment, proposal development, solution positioning, client presentations, and value propositions.
- Support 8+ fintech proposals and PoCs, developing solution narratives, conducting research and analysis, and creating client-ready materials across private banking and digital transformation opportunities.
- Conduct stakeholder discussions and current-state / future-state analysis to identify business gaps and 3–5 automation opportunities, evaluate potential solutions, and develop actionable recommendations.
- Explore and apply Generative AI and AI-agent capabilities to consulting workflows and financial-services use cases, supporting AI-enabled PoCs, solution ideation, and process improvement initiatives.
- Organize and contribute to Vibeathon and innovation initiatives for 100+ participants, collaborating across teams on AI, emerging technologies, and new business solutions.
- Contribute to the Commercial Lending internal practice through AI initiatives, solution demos, and RFP development, supporting knowledge sharing and business development across the practice.
Business Senior Analyst (Citi Bank)
Accenture
12.2025 - 05.2026
- Supported transformation of capital markets reconciliation processes from manual operations to a TLM-based automated platform, enabling ~75% automation of reconciliation activities and reducing manual processing effort.
- Analyzed workflows, identified process gaps and improvement opportunities, and translated findings into future-state processes and functional requirements to enhance operational effectiveness.
- Collaborated with business and technology stakeholders to develop solution approaches, ensuring alignment with business objectives and compliance controls.
- Supported UAT and process transformation activities to enhance operational efficiency, accuracy, scalability, and control effectiveness, facilitating smoother transitions to automated processes.
Business Senior Analyst (Allianz Technology)
Accenture
08.2024 - 11.2025
- Led stakeholder workshops across 7+ business units to prioritize vulnerability remediation for key systems based on business criticality, risk, and delivery feasibility, reducing the vulnerability backlog by 76% within 8 months.
- Performed current-state / future-state analysis to identify process improvement and automation opportunities enterprise-wide, driving operational efficiency.
- Compiled program-level insights for senior stakeholders, detailing progress, risks, dependencies, and key decisions to inform strategic direction.
- Strengthened governance and audit readiness by establishing traceability across risks, requirements, remediation actions, and closure.
- Facilitated transformation of vulnerability management and platform stability processes across European markets, enhancing overall security posture.
Consultant – Business Analyst
Intellect Design Arena
08.2022 - 08.2024
- Led business analysis initiatives for large-scale BFSI transformation programs, aligning digital solutions with strategic, operational, and regulatory objectives.
- Facilitated client workshops and stakeholder interviews across banking operations, product, compliance, and technology teams to uncover challenges and identify transformation opportunities.
- Performed current-state / future-state analysis to identify process gaps, improvement opportunities, dependencies, and technology-enabled solutions.
- Converted complex business needs into structured solution approaches, process models, and functional designs, aligning business that align business and technology stakeholders.
- Partnered with product owners and delivery teams to prioritize initiatives and balance business value, regulatory requirements, and delivery feasibility.
- Contributed to presales and business development for global banking clients, supporting 25+ RFP/RFI/RFQ responses, functional scoping, solution development, and client-facing presentations.
- Executed PoCs and solution demonstrations, translating client-specific banking requirements into tailored solution concepts and use cases.
- Participated in discovery and proposal workshops, assessing client requirements, solution feasibility, dependencies, and risks.
Deputy Manager
ICICI Bank
03.2021 - 07.2022
- Analyzed customer, transaction, and operational data to inform branch-level business decisions.
- Developed and maintained MIS reporting to monitor productivity and operational progress.
- Collaborated with relationship management and operations teams to streamline documentation processes and enhance accuracy.
- Supported credit appraisal activities by reviewing customer financial information and identifying key risk indicators.
Education
Post-Graduation Program in Management (PGPM) - Marketing and Banking
ICFAI Business School
Pune, India01-2021
Bachelor of Commerce (B.Com) - Administration
Pune University
Pune, India01-2019
Skills
- Consulting & Problem Solving, Problem Structuring, Opportunity Assessment, Business problem-solving, State analysis, Gap assessment, Process optimization, Solution Design, Strategic Problem Solving
- Stakeholder interviews, Client workshops, Executive communication, Presentation Development, Cross-functional Collaboration, Requirements elicitation, Facilitation
- Proposal management, RFP responses, Proof of concept, Proof of value, Solution Positioning, Business case development, Opportunity analysis
- Private banking, BFSI Transformation, Digital transformation, Core Banking, Lending, Capital markets, Vulnerability management, AI technologies, AI Agents
- Agile delivery, User stories, Use cases, Process mapping, Functional specs
- Tools: JIRA, Confluence, ServiceNow, Qualys, Figma, Power BI, Tableau, Salesforce, SQL (Foundational), AI / Generative AI Tools
Timeline
Management Consultant
Infosys Consulting
06.2026 - Current
Business Senior Analyst (Citi Bank)
Accenture
12.2025 - 05.2026
Business Senior Analyst (Allianz Technology)
Accenture
08.2024 - 11.2025
Consultant – Business Analyst
Intellect Design Arena
08.2022 - 08.2024
Deputy Manager
ICICI Bank
03.2021 - 07.2022
Post-Graduation Program in Management (PGPM) - Marketing and Banking
ICFAI Business School
Bachelor of Commerce (B.Com) - Administration
Pune University