Headline

Founder @ KureFI

About

Founder of KureFI, a healthcare fintech startup on a mission to make quality healthcare financially accessible by bridging the gap between health insurance and out-of-pocket medical expenses. Alongside building KureFI, I bring 10+ years of experience as a Senior Functional Analyst in Banking Operations, specializing in Payments, Corporate Actions, Reconciliations, and Transaction Lifecycle Management. I bridge the gap between business and technology by translating complex business requirements into scalable functional solutions that improve operational efficiency, strengthen risk controls, and ensure regulatory compliance. My expertise includes Business Analysis, BRD/FRD preparation, SQL, data analysis, UAT, ISO 20022 (MX) migration, reconciliation strategy, process automation, and stakeholder management. I have successfully led reconciliation transformation initiatives, managed end-to-end corporate action lifecycles, and delivered solutions that improve data integrity, audit readiness, and SLA performance. Building KureFI has expanded my perspective beyond enterprise banking into product strategy, fintech innovation, partnerships, customer experience, and entrepreneurship. I enjoy solving complex financial problems through technology and creating products that deliver meaningful impact. Core Expertise: • FinTech & Product Strategy • Business Analysis (BRD/FRD) • Payments & Transaction Lifecycle Management • Corporate Actions & Reconciliations • ISO 20022 (MX) Migration • SQL & Data Analysis • UAT & Stakeholder Management • Process Automation & Risk Controls Always open to connecting with professionals in FinTech, Banking, Healthcare Finance, Product Management, and startup ecosystems.

Location

Bengaluru

Work experience

Senior Analyst at ANZ Support Services India, Jun 2021 - Present · 5 y 3 mo, Bengaluru, Karnataka, India, We’re creating a smart, patient first financing ecosystem that helps people understand treatment costs, bridge insurance shortfalls, and finance hospitalization and post care expenses through a seamless digital experience.

Senior Functional Analyst at ANZ, Jun 2021 - Present · 5 yrs 4 mos, Bengaluru, Karnataka, India

Reconciliation Specialist at ANZ Support Services India, 2021 - Present · 5 yrs 9 mos, Orchestrate end-to-end TLM-based automated reconciliation processes—implementing and monitoring file loading pipelines across 15+ countries to ensure zero-gap data ingestion and timely break identification. Conduct rigorous file-level and account-level validations, performing fundamental control checks including missing balance detection, trail difference analysis, and exception triage to maintain position integrity across multi-currency portfolios. Proactively monitor OI dashboards to detect upstream feed failures, identify new account onboarding requirements, and escalate processing anomalies to technology and operations stakeholders within agreed SLA windows. Perform Internal/GL account (suspense and sundry) reconciliations, ensuring accurate clearing of open items and timely resolution of aged reconciling differences in line with regulatory and audit requirements. Drive break investigation and resolution workflows, coordinating with front office, middle office, and technology teams to clear exception queues daily and minimize settlement risk exposure. Administer TLM system access governance for new team members, ensuring role-based provisioning aligned with operational risk and compliance frameworks. Collaborate with project delivery teams on seamless onboarding of new institutional clients, contributing to Build Verification Testing (BVT) and User Acceptance Testing (UAT) phases to validate system integrity before go-live. Deliver structured training programs for new joiners and reconciliation team members, standardizing process knowledge and reducing on-boarding ramp-up time by an estimated 30%. Serve as primary daily escalation point for internal stakeholders and client counterparts, resolving operational inquiries and ensuring adherence to documented operating instructions (DOIs) and reconciliation policies.

Senior Analyst at Standard Chartered Bank, Oct 2019 - Jun 2021 · 1 yr 9 mos, Bangalore

Analyst at Deutsche Financial Services, Feb 2019 - Sep 2019 · 8 mos

Operations Analyst at Standard Chartered Bank, 2019 - 2021 · 2 yrs, Executed error-free Nostro, cash, and position reconciliations using TLM and multiple transaction processing platforms, adhering strictly to reconciliation policy, DOIs, and regulatory control standards. Investigated and resolved outstanding reconciliation breaks and aged items, coordinating internal escalation pathways and liaising with country operations and technology teams to ensure resolution within agreed SLA and reconciliation matrix timelines. Managed end-to-end customer query lifecycle for both internal and external counterparties, maintaining effective working relationships across departments, country desks, and technology teams to preserve operational continuity. Ensured consistent adherence to SLA commitments, maintaining up-to-date logs for TAT, system downtime, errors, and exceptions to support audit readiness and management oversight. Performed periodic quality reviews of reconciliation outputs, identifying process gaps and recommending control improvements to reduce operational risk and enhance straight-through processing (STP) rates. Supported implementation of reconciliation automation enhancements, contributing requirements and testing support to technology initiatives aimed at reducing manual intervention and break volumes. Prepared and distributed daily, weekly, and monthly MIS reports to senior management, providing transparency on break aging, resolution rates, and exception trends across the reconciliation portfolio.

Education

Master of Business Administration - MBA, Finance and Financial Management Services, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Commerce, Accounting and Finance, Sambalpur University