Varun Rathee
Business Analyst
Gurgaon
Summary
Dynamic BFSI professional with 9+ years of experience, including 5+ years in Business Analysis and Product Management, specializing in banking automation, lending, mortgage, and loan origination solutions. Expertise in driving digital transformation by translating complex business requirements into scalable, customer-centric technology solutions that enhance operational efficiency and business growth. Proven ability to define product strategy, optimize business processes, and lead end-to-end product delivery in Agile environments. Strong stakeholder management, analytical, and problem-solving skills with a consistent track record of delivering high-impact solutions, improving turnaround times, and enabling superior customer experiences.
Overview
9
9
years of professional experience
6
6
Certifications
Work History
Business Analyst
Infosys Ltd.
Gurgaon
2025.01 - Current
- Contributed as part of the Product and Consulting team for mortgage solutions at Pennymac, driving enhancements across products, including Conventional, Jumbo, VA IRRRL, FHA IRRRL, and Streamline Assist.
- Acted as a liaison between the Product, Development, and QA teams to gather, analyze, and document business requirements.
- Designed process flows using Visio to support solution design discussions.
- Conducted a walkthrough with stakeholders, developers, and tech leads to ensure clarity of requirements.
- Supported end-to-end product delivery, including sprint tracking, JIRA management, UAT, and production support.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients, and managed client relationships through regular check-ins and project updates.
- Currently working on Vesta (LOS), which offers a better turnaround time of 10–15 days versus 25–35 days in the legacy system, Encompass.
Business Analyst
Kotak Mahindra Bank Ltd
New Delhi
2023.08 - 2024.12
- Elicit and translate business requirements into user stories.
- Conducted AS-IS analysis and designed change strategies to deliver fit-for-business solutions; led requirement gathering using interviews, questionnaires, interface and document analysis, brainstorming, and focus groups.
- Communicate the client's business requirements by constructing easy-to-understand data and process models.
- Performed quality assurance (functional testing) and user acceptance testing, facilitating on-time, on-budget, and acclaimed 'go-live' of the applications.
- Worked on C-LOS which has better Turnaround time and faster loan processing than Manual Process (7 days to 1 days)
Business Analyst
Axis Bank Ltd
New Delhi
2022.06 - 2023.07
- Led requirement gathering, analysis, and documentation for multiple digital banking and payment initiatives.
- Delivered BRDs, FRDs, solution scope documents, and interface analysis for enterprise-scale banking products.
- Supported product development and digitization initiatives across the login process for the working capital domain (lending).
- Conducted data analysis to identify trends and improvement areas in customer experience and digital processes.
- Coordinated with cross-functional teams to ensure seamless integration of payment solutions.
- Worked on C-LOS which has better Turnaround time and faster loan processing than Manual Process (7 days to 1 days)
Business Analyst
HDFC Bank Ltd
New Delhi
2021.07 - 2022.04
- Led requirement elicitation sessions using interviews, workshops, document analysis, and brainstorming techniques.
- Performed AS-IS and TO-BE analysis, and recommended optimized business solutions.
- Worked closely with technology teams to guide the implementation of digital lending and payment solutions.
- Presented project insights and business impact to senior stakeholders through periodic reviews.
- Worked on C-LOS which has better Turnaround time and faster loan processing than Manual Process (7 days to 1 days)
Business Analyst
Au Small Finance Bank
Gurgaon
2021.01 - 2021.07
- Developed BRDs, FRDs, use cases, process flows, and traceability matrices.
- Translated business requirements into clear, functional specifications for development teams.
- Supported QA through functional testing, and ensured a successful on-time application go-live.
- Collaborated with product teams to design and enhance digital payment products and services.
- Worked on C-LOS which has better Turnaround time and faster loan processing than Manual Process (7 days to 1 days)
Deputy Manager II-Dealer Funding
ICICI Bank Ltd
New Delhi
2017.01 - 2020.07
- Conducted financial analysis of clients, monitored market trends through manufacturer interactions, managed working capital finance for auto dealers, and evaluated suppliers for quality, timeliness, and compliance to optimize efficiency and cost control.
- Collaborated with credit and operations teams to deliver tailored solutions, engaged clients for needs assessment and cross-selling, monitored and renewed limits, and ensured strict compliance with governance standards.
- Handling and servicing a customer portfolio base of 150 customer IDs.
- Data handling, reporting, and documentation. Comply with KYC, SEBI rules, regulations, and legislation governing the bank.
Education
Executive MBA - International Business
Indian Institute of Foreign Trade
Delhi2021-12
PGDB - Banking & Finance
Manipal University
Bangalore2017-04
B.Tech - Mechanical Engineering
Lovely Professional University
Jalandhar2015-06
Skills
Workflow improvement
Software development lifecycle management
User acceptance testing
Requirements gathering & Gap analysis
Use case analysis and Process mapping
RACI matrix implementation and Scope Management
Client relationship management & Stakeholder collaboration
Waterfall & Agile methodologies
JIRA
AI implementation tools like-Gemini, Ask Rovo
SQL
Domain knowledge in lending and mortgages
Certification
ECBA Trained-Business Analysis Certified (02/2023 - Present) Trainsmart Academy
Timeline
Infosys Insta Award Q3 FY26
2026-01
Infosys Insta Award Q1 FY26
2025-07
Cloud Digital Leader Certification
2025-03
Business Analyst
Infosys Ltd.
2025.01 - Current
Business Analyst
Kotak Mahindra Bank Ltd
2023.08 - 2024.12
PSM|PSPO Trained (02/2023 - Present) Trainsmart Academy
2023-02
Agile Business Analysis (02/2023 - Present) Trainsmart Academy
2023-02
ECBA Trained-Business Analysis Certified (02/2023 - Present) Trainsmart Academy
2023-01
Business Analyst
Axis Bank Ltd
2022.06 - 2023.07
Business Analyst
HDFC Bank Ltd
2021.07 - 2022.04
Business Analyst
Au Small Finance Bank
2021.01 - 2021.07
Deputy Manager II-Dealer Funding
ICICI Bank Ltd
2017.01 - 2020.07
Executive MBA - International Business
Indian Institute of Foreign Trade
PGDB - Banking & Finance
Manipal University
B.Tech - Mechanical Engineering
Lovely Professional University