---
title: "Chirag Magnani - Business Analyst in Pune Division | Tal"
description: "Meet Chirag Magnani, Business Analyst | BFSI & Fintech | Built ₹100Cr+Lending Platform | Reduced Loan TAT 30-50% | LOS & Credit Workflows | SQL, Power BI | Agile | Confluence, ServiceNow (SNOW) | Process Mapping | Certified Business Analyst based in Pune Division."
image: "https://tal.club/meet/chirag-23/share-image"
---

# Chirag Magnani on Tal

## Headline

Business Analyst \| BFSI & Fintech \| Built ₹100Cr\+Lending Platform \| Reduced Loan TAT 30\-50% \| LOS & Credit Workflows \| SQL, Power BI \| Agile \| Confluence, ServiceNow \(SNOW\) \| Process Mapping \| Certified Business Analyst

## About

I believe great products aren't built by technology alone—they're built by understanding people, solving the right problems, and turning ideas into meaningful business outcomes\. That belief has shaped my journey as a Business Analyst over the past 4\+ years in the Banking & Financial Services \(BFSI\) domain\. My experience spans Loan Origination Systems \(LOS\), DSA Partner Management, and Credit Proposal Management, where I've worked closely with business stakeholders, product teams, operations, credit, risk, compliance, and technology teams to deliver scalable digital lending solutions\. I enjoy translating complex business challenges into clear requirements, collaborating across cross\-functional teams, and ensuring successful delivery through Agile methodologies\. Throughout my career, I've led requirement workshops, prepared BRDs, FRDs, User Stories, Functional Specifications, Process Flows, and Acceptance Criteria, while supporting API integrations, SQL\-based analysis, UAT, release management, and end\-to\-end SDLC activities\. I enjoy connecting business goals with technology to deliver solutions that improve efficiency, compliance, and customer experience\. One of the most rewarding parts of my journey has been contributing to digital transformation initiatives that supported ₹100\+ crore in monthly loan sourcing, reduced loan processing turnaround time by 30–50%, accelerated DSA onboarding by 45%, improved partner selection quality by 30%, and automated key business workflows to reduce manual effort and increase operational accuracy\. Along the way, I've authored 40\+ BRDs/FRDs/FSDs, defined 100\+ business rules, and collaborated with 30\+ cross\-functional stakeholders to deliver business value\. I enjoy working in environments where collaboration, continuous learning, and innovation drive meaningful change\. Whether it's solving business problems, improving processes, or leveraging data, APIs, SQL, and Power BI to support better decision\-making, I'm always focused on creating solutions that make a measurable impact\. I'm excited to continue contributing to digital transformation initiatives, building customer\-centric products, and solving complex business challenges that shape the future of financial services\. Let's connect and build impactful solutions together\.

## Location

Pune Division

## Work experience

Business Analyst at 2GBR SOFTWARE PVT LTD, Jan 2026 \- Present · 7 mos, • Lead requirement elicitation sessions with business stakeholders, Product Owners, credit, risk, operations, compliance, and technology teams to gather, analyze, and document business and functional requirements across the end\-to\-end Loan Origination System \(LOS\) lifecycle, including customer onboarding, KYC, credit appraisal, underwriting, loan approval, disbursement, and post\-disbursement servicing\. • Prepare and manage BRDs, FRDs, User Stories, Use Cases, Acceptance Criteria, Process Flow Diagrams, Business Rules, and Functional Specifications, while performing gap analysis, As\-Is/To\-Be process analysis, and ensuring end\-to\-end requirements traceability throughout the SDLC\. • Collaborate with cross\-functional teams to support API integrations with Credit Bureaus \(CIBIL/CRIF\), CKYC, eSign, eNACH, payment gateways, and document verification platforms, ensuring seamless system integration, regulatory compliance, and successful Agile delivery through sprint planning, backlog grooming, UAT, defect management, and release coordination\. • Utilize SQL, Excel, and Power BI to perform data analysis, validate business rules, monitor KPIs, generate MIS reports, and identify process improvement opportunities that optimize loan processing efficiency, reduce turnaround time \(TAT\), and enhance customer experience\.

Project Manager / Business Analyst L2 at ScoreMe Solutions, Jul 2025 \- Dec 2025 · 6 mos, Pune City, Maharashtra, India, • Led the end\-to\-end delivery of the Direct Selling Agent \(DSA\) Partner Management Platform, collaborating with business, credit, operations, and technology teams to streamline partner onboarding, risk assessment, loan tracking, and commission management, supporting ₹100\+ Cr monthly loan sourcing\. • Managed requirement elicitation, stakeholder workshops, project planning, backlog prioritization, and sprint execution, ensuring timely delivery of business objectives within Agile methodology\. • Designed and implemented digital onboarding workflows, including KYC verification, due diligence, maker\-checker approvals, and compliance validations, reducing DSA onboarding turnaround time by 45%\. • Defined business rules and functional requirements for a risk\-based partner evaluation framework \(AAA–B classification\), improving partner selection quality by 30%\. • Developed BRDs, FRDs, process flows, user stories, acceptance criteria, and UAT scenarios while coordinating cross\-functional teams throughout the project lifecycle\. • Designed a rule\-based commission payout engine with slab\-based calculations, disbursement\-linked eligibility, and payout caps, reducing commission calculation errors by 35%\.

Business Analyst at Subtle Solutions, Aug 2022 \- Aug 2025 · 3 yrs 1 mo, Pune District, Maharashtra, India, Delivered Loan Origination System \(LOS\) solutions for NBFC clients across geographies and time zones, focusing on credit workflows, underwriting automation, and API\-integrated lending systems\. • Delivered Loan Origination System \(LOS\) solutions for NBFC clients across geographies and time zones, focusing on credit workflows, underwriting automation, and API\-integrated lending systems\. • Documented business requirements \(BRD/FSD\) and process flows supporting LOS enhancements that improved underwriting efficiency by \~25% • Supported UAT through test case validation and defect tracking, contributing to \~18% reduction in manual errors

## Education

Bachelor of Technology \- BTech, Electrical, Electronics and Communications Engineering, MIT World Peace University

[View the original profile](https://tal.club/meet/chirag-23)

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