Vipul Salve

Clients: Lloyds Banking Group (Open Banking Aggregation), PNC Bank (Mortgage SHOP), Cynergy Bank (nCino Originations).

• Owned backlog and customer journey design for Open Banking Aggregation, enabling 1M Lloyds customers to connect external bank accounts.
• Partnered with compliance and solution architects to validate the feasibility of new propositions, reducing delivery risks.
• Defined Epics, User Stories, and Acceptance Criteria, ensuring clarity for development teams and reducing sprint rework.
• Drove release planning and stakeholder reporting, improving predictability and transparency of delivery cycles.
• Conducted root cause analysis (RCA) of production issues, implementing long-term fixes to improve system stability.
• For PNC Bank, I facilitated requirements gathering and backlog grooming for a mortgage shopping dashboard, improving decision-making and customer experience.

Client: Nationwide Building Society (Variable Recurring Payments - Open Banking)

• Authored product documentation (UI specs, business rules, audit events, services catalogue) to support VRP integration.
• Supported the Scrum team in user story refinement, sprint planning, and Agile ceremonies, maintaining delivery velocity.
• Performed impact analysis and change management, ensuring smooth adoption of regulatory-driven product features.

Clients: HSBC (Mobile X), Co-operative Bank (Mortgage Switch).

• Partnered with Product Owners on release planning and backlog prioritization for mobile banking and mortgage transformation projects.
• Conducted a GAP analysis (AS-IS vs. TO-BE) to enhance digital customer journeys.
• Collaborated with UI/UX designers on mock-ups and wireframes, improving product usability.
• Worked with QA teams to validate deliverables, reducing post-release defects.

Additional Experience

Delivered multiple digital banking and onboarding projects across UK banks, focusing on requirements gathering, gap analysis, stakeholder engagement, and agile delivery.