Suvarnakumari KR
Business Analyst/Product Owner
Trivandrum
Summary
Business Analyst and Product Owner with strong experience in delivering banking and e-commerce software solutions, including customer onboarding, CKYC/KYC, BPM, and Document Management Systems. Skilled in requirements gathering, BRD/FSD/SRS preparation, user story creation, backlog prioritization, and end-to-end SDLC support. Experienced in Agile methodologies and cross-functional collaboration to deliver scalable, customer-centric solutions. Proficient in JIRA, SQL, Tableau, Figma, Balsamiq, Lucidchart, and Outline, with a proven ability to bridge business needs and technology.
Overview
12
12
years of professional experience
8040
8040
years of post-secondary education
7
7
Certifications
Work History
Business Analyst Manager
Ospyn Technologies Ltd
09.2021 - Current
- Gathered, analyzed, and documented business, functional, and system requirements, and prepared BRD, FSD, SRS, use cases, and process flow diagrams.
- Worked as a Business Analyst on enterprise software solution implementations, translating business needs into scalable and effective technology solutions.
- Delivered banking, retail, and e-commerce solutions including Customer Onboarding, CKYC/KYC, re-KYC, BPM workflow automation, Document Management Systems (DMS), E-Commerce platform and digital portals.
- Collaborated with stakeholders, clients, and business users to understand current processes, identify gaps, and propose optimized software-based solutions.
- Acted as a liaison between business stakeholders and technical teams, ensuring accurate translation of requirements into functional solutions.
- Defined product vision, roadmap, and feature specifications aligned with business goals, regulatory requirements, and market needs.
- Created, prioritized, and managed product backlog and user stories to maximize business value and ensure successful product delivery.
- Supported end-to-end software lifecycle including requirement gathering, solution design, development support, UAT coordination, deployment, and post-production support.
- Facilitated Agile ceremonies including sprint planning, backlog grooming, sprint reviews, and retrospectives to ensure efficient delivery.
- Collaborated with development, QA, UX, and architecture teams to ensure solutions met functional, technical, and user experience requirements.
- Coordinated User Acceptance Testing (UAT), validated system functionality, and ensured alignment with business and compliance requirements.
- Conducted market research and competitive analysis to identify improvement opportunities and enhance product and solution capabilities.
- Defined workflows, functional specifications, and feature enhancements for BPM and DMS-based automation solutions.
- Supported production deployments, release management, and implementation activities, ensuring smooth system rollout and stabilization.
- Worked closely with sales and customer teams during client onboarding, solution discussions, and implementation phases.
- Monitored product and solution performance, analyzed user feedback, and recommended enhancements to improve efficiency and user experience.
- Ensured compliance with banking regulations, organizational standards, and industry best practices.
- Collaborated with cross-functional teams to deliver high-quality, scalable, and customer-centric software solutions.
OPERATION HEAD
AXIS BANK
12.2017 - 08.2021
- Handling Corporate Salary relationship for the Large Corporate Clients
- Ensuring high levels of compliance in regulatory framework such as KYC and AML guidelines
- Ensuring branch business parameters are met
- Processing cases received from Financial Crime Monitoring Department
- Handling Transaction Monitoring alerts, EDD alerts and IBA SQ alerts
- Handling closure of concurrent, internal and statutory audit reports
- Playing the role of supervisor in checking current and savings account opening forms and authorizing it towards further processing
- Well experienced in Banking software - FINACLE, WORLDCHECK, CRM
- Analyzed business requirements and identified potential solutions.
- Assisted users in defining their reporting needs by creating mock-ups of proposed reports and dashboards using BI tools such as Tableau or PowerBI.
- Assessed data processing proposals and requirements to determine project feasibility.
- Participated in system design reviews, user acceptance testing and other quality assurance activities.
- Managed vendor relationships throughout the course of a project lifecycle from initiation through closeout.
- Identified system integration points between various internal applications used across different departments.
- Developed test scenarios based on functional requirements documents.
- Provided guidance on best practices related to business analysis techniques such as process mapping, gap analysis and root cause analysis.
- Actively participated in change management initiatives involving multiple stakeholders from various parts of the organization.
- Analyzed workflows and established priorities for daily operations.
- Developed process maps, data flow diagrams and use cases to document functional specifications.
- Monitored system performance metrics post-implementation to identify areas for improvement.
- Researched industry trends related to technology products and solutions that could be leveraged within the organization.
- Worked with cross-functional teams to achieve goals.
DEPUTY MANAGER
AXIS BANK
05.2017 - 12.2017
- Reviewed employee performance and provided ongoing feedback and coaching to drive performance improvement.
- Assigned work and monitored performance of project personnel.
- Delegated work to staff, setting priorities and goals.
- Provided guidance and support to team members to help them achieve goals.
- Resolved customer inquiries and complaints requiring management-level escalation.
- Prepared monthly progress reports detailing achievements against set targets.
- Recruited and trained new employees to meet job requirements.
- Completed day-to-day duties accurately and efficiently.
- Kept records of customer interactions or transactions, thoroughly recording details of inquiries.
- Requested financial documents from customers.
- Prepared periodic reports summarizing the results of ongoing KYC reviews.
- Advised senior management regarding improvements that can be made in existing processes related to KYC and AML compliance.
ASSISTANT MANAGER
AXIS BANK
12.2013 - 04.2017
- Accepted cash and credit card payments, issued receipts and provided change.
- Operated cash register efficiently and accurately, processed payments by cash, check, credit card, gift card or automatic debit.
- Tracked customer interactions using CRM software.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Developed processes and procedures for improved AML and KYC compliance operations.
- Reviewed customer documents and information to ensure compliance with KYC regulations.
Education
PGDBS - Banking And Finance
Manipal University
Bengaluru, India2013
B-TECH - COMPUTER SCIENCE
MG University College Of Engineering
University Collge Of Engineering,Thodupuzha03-2012
Plus Two -
Board Of Public Examinations
Kerala01-2008
SSLC -
Board Of Public Examinations
KeralaSkills
Requirements Gathering and Analysis
BRD, FSD, SRS Documentation
Functional and Non-Functional Requirements
User Stories and Acceptance Criteria Definition
Use Case Development and Process Modeling
Gap Analysis and Impact Analysis
Requirement Traceability Matrix (RTM)
Stakeholder Communication and Management
Product Vision, Strategy, and Roadmap Definition
Product Backlog Creation, Grooming, and Prioritization
Agile and Scrum Methodology
Sprint Planning, Review, and Retrospectives
Release Planning and Feature Prioritization
Product Lifecycle Management
Software Development Lifecycle (SDLC)
Enterprise Software Solution Implementation
Functional Solution Design and Validation
User Acceptance Testing (UAT) Coordination
Production Deployment and Release Support
BPM and Document Management System (DMS) Solutions
Banking and Financial Services:
Customer Onboarding
CKYC, KYC, and re-KYC Solutions
Retail and Corporate Banking Systems
Regulatory Compliance and Workflow Automation
E-commerce:
E-commerce Platform Requirements
Product Catalog and Order Management
Payment Gateway Integration
Customer Journey and Checkout Optimization
Inventory and Logistics Integration
Certification
Certified Scrum Product Owner
Languages
- English
- Malayalam
- Hindi
Personal Information
- Husband's Name: Atul Nair
- Date of Birth: 05/28/91
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Garment designing and stitching
Designing and stitching garments as a creative hobby, reflecting strong attention to detail, creativity, and design thinking.
Timeline
Business Analyst Manager
Ospyn Technologies Ltd
09.2021 - Current
OPERATION HEAD
AXIS BANK
12.2017 - 08.2021
DEPUTY MANAGER
AXIS BANK
05.2017 - 12.2017
ASSISTANT MANAGER
AXIS BANK
12.2013 - 04.2017
PGDBS - Banking And Finance
Manipal University
B-TECH - COMPUTER SCIENCE
MG University College Of Engineering
Plus Two -
Board Of Public Examinations
SSLC -
Board Of Public Examinations