Headline

Immediate Joiner| Serving Notice Period |Experienced Business Analyst Financial services domain| MBA- Financial services- K.J. Somaiya Mumbai| Agile Expert| IIBA- certified| Swift Payments- ISO 20022|

About

I am an experienced and results-driven Business Analyst with expertise in the financial services domain. Currently, I hold the position of Senior Associate Consultant, Business Analyst - Finance Domain (Banking & Payments) at Infosys. Throughout my career, I have worked closely with cross-functional teams, operations leaders, and senior stakeholders to optimize engagements, drive process/product improvements, and implement business improvement plans. My goal is to contribute my skills and knowledge to drive transformative journeys for organizations. With a deep understanding of client requirements, I excel in analyzing business needs through interview workshops, document analysis, and workflow analysis. I am skilled in translating stakeholder requirements into deliverables such as use cases, process diagrams, and UML diagrams. Creating business functional and non-functional user stories, acceptance criteria, and assisting in creating Business Requirement Documents (BRD & FRD) are some of my key strengths. Additionally, I have successfully conducted business feasibility studies and managed projects of medium to small complexities within an agile framework. As a visionary business analyst, I am passionate about driving product vision, strategy, and roadmap development. By prioritizing backlog work and ensuring timely delivery of valuable features, I contribute to meeting market and customer demands. I have successfully created dynamic environments that foster development opportunities and motivate high-performance among team members. In addition to my professional experience, I have gained proficiency in various tools such as Jira, MS Visio, and the MS Office Suite. I possess strong decision-making skills, a customer-centric approach, and expertise in SQL. My project knowledge, result-oriented mindset, and effective communication skills contribute to successful engagements. I am an enthusiastic learner and stay up to date with industry trends and advancements. As a testament to my dedication, I have completed the IIBA-Entry Certificate in Business Analysis (ECBA) certification. I am eager to contribute my expertise, strategic planning abilities, and business analysis skills to an organization that values innovation, collaboration, and excellence. If you are seeking a dedicated professional with a proven track record in delivering impactful results, I would be delighted to explore opportunities for collaboration and growth. Name- Saurabh Patel Email- Saurabhjobs03@gmail.com Mobile- +91 8839138887

Location

Pune/Pimpri-Chinchwad Area

AI stack

anthropic apis

codex

livekit

xai

Work experience

Product owner - Digital Transformation- Consultant at Infosys, Jan 2025 - Present · 1 yr 7 mos, Hybrid, Project – HSBC Bank Role: Digital Transformation Product Owner . Implemented a cloud-based FX engine enabling preferential FX pricing based on customer relationship, transaction volume, and business rules. . Defined pricing logic, rate orchestration, and integration requirements for real-time FX rate execution. . Conducted domestic and cross-border payment analysis, evaluating end-to-end flows including FX conversion, routing, fee handling, and settlement. . Worked on the OPF (Open Payment Framework) layer, enabling orchestration of payment and FX workflows across channels, core systems, and downstream processing layers . Led implementation of ISO 20022 hybrid address, ensuring regulatory compliance and improved data quality. . Integrated SASEFM fraud detection engine, defining monitoring rules and ensuring seamless integration with internal payment systems. . Drove end-to-end requirement discovery, translating business needs into epics, user stories, and acceptance criteria aligned with transformation goals. . Acted as primary point of contact, aligning stakeholders across Channels, FX, Payments, Core Banking, and Reconciliation teams. . Led cross-functional delivery from requirement to production, ensuring seamless execution and business alignment. . Delivered API-driven, scalable solutions, enabling STP and improved operational efficiency. . Impact: Increased FX revenue by 18% and transaction volume by 8%; ensured timely regulatory compliance (SASEFM and ISO hybrid address), avoiding potential central bank penalties and improving customer experience.

Product Owner- Payments- Consultant at Infosys, Apr 2023 - Dec 2024 · 1 yr 9 mos, Hybrid, Bank of America (ISO MT–MX Migration & CashPro Payments) • Contributed to ISO 20022 MT–MX migration, analysing legacy SWIFT MT messages and mapping them to corresponding MX formats, including field-level mapping, data enrichment, and transformation logic to ensure structured and compliant data conversion. • Defined and validated business rules, mandatory field checks, and message validation logic to ensure compliance with ISO 20022 standards and bank-specific requirements. • Analysed end-to-end payment lifecycle impacts of migration, including changes in clearing, settlement, reconciliation, and reporting processes. • Supported handling of exceptions, repairs, and message truncation issues during MT to MX conversion, ensuring minimal data loss and improved data quality. • Collaborated with technical teams to validate message schemas (XSDs), XML structures, and transformation logic, ensuring seamless integration across payment systems. • Gathered and analysed business requirements from stakeholders, translating them into user stories and acceptance criteria within a Scaled Agile (SAFe) framework, actively participating in sprint planning, backlog grooming, and cross-team collaboration. • Worked on CashPro Payments (channel initiation layer), defining requirements to enhance user experience and streamline payment initiation workflows. • Redesigned UI/UX components to improve usability, reduce input errors, and simplify navigation for corporate users. • Defined and implemented requirements for an Admin Control Module, enabling configuration of user roles, transaction limits, and payment permissions to strengthen access control and governance. • Supported testing activities by creating test scenarios, validating UI changes, and participating in UAT, ensuring successful delivery of enhancements. •Collaborated with cross-functional teams to ensure secure, compliant, and scalable channel integration aligned with enterprise payment architecture

Business Analayst - Payments- Associate Consultant at Infosys, May 2021 - Mar 2023 · 1 yr 11 mos, Pune District, Maharashtra, India, - Fiserv Dovetail (SEPA Implementation) Role – Business Analyst • Gathered and documented business and functional requirements for implementation of SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) using Fiserv Dovetail Payments Hub, ensuring alignment with regulatory and scheme guidelines. • Collaborated with business stakeholders, operations teams, and technical teams to translate requirements into detailed BRDs, FRDs, and user stories, ensuring clarity and traceability. • Analysed end-to-end payment flows including initiation, clearing, settlement, returns, reversals, and exception handling, ensuring compliance with SEPA scheme rules and bank-specific processes. • Supported solution design by mapping requirements to ISO 20022 message formats including pacs.008, pacs.003, pacs.004, pacs.007, pacs.002, pain.001, pain.008, camt.052, camt.053, camt.054, and camt.029, and validating message structures. • Worked on API requirement analysis and integration, defining request/response structures, validating payloads, and ensuring seamless interaction between upstream channels and the Dovetail payments hub. • Defined acceptance criteria and business validation rules to ensure accurate implementation of requirements and alignment with expected business outcomes. • Worked closely with QA/testing teams to define test scenarios, create test cases, and validate test coverage, ensuring alignment with business requirements. • Actively participated in User Acceptance Testing (UAT) by executing test cases, identifying defects, and coordinating with development teams for timely resolution. • Facilitated stakeholder discussions and walkthroughs to validate requirements, resolve queries, and ensure successful delivery within timelines

Assistant Manager at Vijaya Bank, May 2015 - Sep 2017 · 2 yrs 5 mos, Bangalore Rural, Karnataka, India, • Managed end-to-end lifecycle of secured and unsecured loan products, including Auto Loans, Home Loans, Personal Loans, and Agriculture Loans, ensuring adherence to credit policies and regulatory guidelines. • Re-engineered gold loan (secured lending) processes by identifying workflow bottlenecks and implementing standardization and automation, reducing TAT by 30% and increasing disbursals by 18%. • Evaluated and streamlined credit appraisal for 200+ loan applications/month across multiple loan products, introducing standardized templates to reduce decision TAT by 25% and improve underwriting accuracy. • Drove 14% growth in loan portfolio (Auto, Home, Personal, Agriculture) while reducing NPAs by 27% through proactive risk monitoring, early delinquency identification, and targeted recovery strategies. • Managed end-to-end branch operations for a ₹100+ crore portfolio, ensuring full compliance with regulatory, audit, and operational standards. • Analysed transactional and behavioural data across 1,500+ retail accounts, identifying cross-sell opportunities and improving conversion rates by 12%. • Developed MIS reports and designed KPI dashboards covering disbursals, approvals, portfolio quality, delinquency trends, TAT, and SLA adherence, enabling data-driven decision-making and real-time performance monitoring. • Performed variance analysis against business targets and conducted location/cost-efficiency assessments, identifying performance gaps and recommending optimization strategies to improve profitability and service coverage • Led, trained, and supervised a 10-member operations team, implementing process standardization and performance tracking to improve accuracy by 20% and reduce service TAT by 15%. • Established performance governance through regular reviews, KPI tracking, and structured feedback mechanisms, improving team productivity and ensuring consistent adherence to service quality and SLA standards

Training Officer at Naveen Adarsh Industrial Training Institute, Jun 2012 - Apr 2015 · 2 yrs 11 mos, Chhattisgarh, India, o Taught Engineering Drawing to students of ITI o Procurement and Maintenance of various workshop Machines and Tools

Education

Master of Business Administration - MBA, Financial Services, K J Somaiya Institute of Management

Bachelor of Engineering - BE, Mechanical Engineering, Shri Shankaracharya Technical Campus Bhilai