Vikas Rachamalla

Product Overview: Enterprise credit platform supporting credit approvals, facility generation, collateral

monitoring, regulatory reporting, and MIS for Investment Finance business.

Product Ownership & Leadership:

• Owned end-to-end product lifecycle for multiple credit modules from ideation to production
• Defined product vision, scope, and roadmap aligned to business, regulatory, and technology strategy
• Served as Single Point of Contact (SPOC) and SME for stakeholders across Credit, Risk, Compliance, and Operations, facilitating effective communication and decision-making
• Led modernization of legacy applications into digitized, scalable platforms

Delivery & Execution:

• Translated BRDs into user stories, functional specifications, and acceptance criteria
• Prioritized product backlog based on business value, risk, and regulatory deadlines
• Partnered closely with engineering and QA teams to ensure on-time, high-quality releases
• Led UAT, defect triage, and release sign-offs with business stakeholders

Impact & Achievements:

• Delivered a Digital Credit Memo platform, reducing manual effort and approval turnaround time
• Modernized Risk Rating module aligned with regulatory reporting standards
• Built a Checklist Quality Control product ensuring credit data accuracy
• Delivered Regulatory Data Review platform, enhancing audit readiness and ensuring compliance with standards

Recognition: Multiple Annual BSU Awards

• Conducted gap analysis between regulatory mandates and existing payment infrastructure to identify compliance needs
• Defined and prioritized user stories aligned with UK Open Banking standards
• Owned compliance product requirements for PSD2 RTS across EU private banking payments
• Facilitated timely regulatory compliance across EU branches by ensuring adherence to standards
• Delivered secure, compliant APIs and payment interfaces
• Collaborated with cross-functional teams to gather and document requirements for effective project alignment
• Coordinated with Product, Legal, Risk, Compliance, and Technology teams

Received Dream Team Award for outstanding collaboration and teamwork.

• Designed modular middleware services integrating multiple enterprise applications
• Led small team in delivering end-to-end solutions and providing production support
• Collaborated with clients to gather requirements and design tailored solutions

Received Insta Award for outstanding performance as a top fresher