A Seasoned Business Analyst professional with over 13 years of proven expertise in BFSI, Cards, Internal Audit, Retail, ERP, Mobile applications, health care implementations with expertise in development of stand-alone as well as integrated Applications. In depth knowledge in the Banking and Financial services sector, Retail domain, Regulatory and Banking domain, Mortgage Loan Origination, Loan Servicing, Brokerage services, Commercial Banking, Retail Banking and Global Risk and Compliance. In depth understanding on Payment Service Directives (PSD 2) from UK regulatory context. Deep understanding on Unsecured lending space especially in the areas of Card payments in both online and offline markets. Extensive experience as Product Owner and Product Manager by leading the development and support areas with at most efficiency. In depth knowledge on Telemedicine , patient management, hospital management, claim processing in health care. Experience on both Agile, RUP and Waterfall Software development methodology. Sound knowledge in writing User stories, test cases and working knowledge on manual testing. Responsibilities carried out as Business Analyst, Systems Analyst, on Business side as well as IT side. Responsible for new and existing product development, marketing, and sales of all e-Commerce services (Retail and Small Business Online Banking, Move Money, Online Banking, Mobile Banking, Consumer and Business Loans and International & Foreign Trade Services). Managed program and project efforts for Logistics and E-Commerce, POS, Supply Chain, CMS, and Web based applications, business strategy and web site content. Knowledge of full life cycle implementation in building Warehouse Management Application. Transformed business requirements into functional specifications, focusing on workflow analysis and design, business process re-engineering, user interface - UI design, and process flow modeling. Expert in MS Office Products such as Word, Excel, Project, Power Point, Access, Visio. Conducted various JAD sessions with business users and separately with development, QA teams. Work in collaboration with System Analysts, Software engineers/ Architects to develop both high-level and detailed application models that meet the business needs. Worked extensively on bio-metrics, banking & regulatory projects, CRM and oracle ERP (Inventory and Purchase Order modules). Strong communication, problem solving, organizational, interpersonal, and presentation skills. Good knowledge on Account opening. Account maintenance and Mobile contactless debit card payments. Experienced in training and mentoring of end user and others in tools, technologies and software methodologies. Expertise in preparing in various documents such as Business requirements documents (BRD), Functional Requirement Specifications and Solutions proposal. Expertise in developing prototypes, user interfaces and processing specification documents.