Arup Kumar Nayak

Senior Business Analyst - Product Owner for Mobile Banking

Led product development for cross-border remittance features in mobile banking, enhancing global transfer coverage & transaction speed.
Requirement analysis and stakeholder workshops, translating business needs into Epics, User Stories, and Acceptance Criteria in Agile delivery.

Managing product backlog in Jira/Confluence, supporting sprint planning, backlog refinement, and release delivery.

Support in API integrations with global remittance partners including Western Union, MoneyGram, and Mastercard (Transfast).

Defined a unified beneficiary data model to streamline onboarding of new remittance partners and reduce customer effort.

Collaborated with technology teams to optimize transaction processing logic and error handling, reducing transaction failures.

Worked closely with UX/UI teams to improve the mobile remittance journey, reducing processing time and improving customer experience.

Analysed transaction patterns and customer feedback to identify improvements and reduce remittance-related support tickets.

Loan Against Investments - Wealth Platform (Senior Business Analyst)

A digital Loan Against Securities (LAS) solution enabling customers to borrow against investment portfolios via mobile banking.

Gathered requirements and produced functional specifications, data mappings, API contracts, and exception workflows.

Defined end-to-end loan lifecycle workflows including collateral pledge, validation, loan disbursement, repayments, and margin call logic.

Coordinated integration between Al Rajhi systems and external investment institutions to validate portfolio holdings.

Created Epics, user stories, and acceptance criteria to support Agile delivery across mobile, web, and back-office platforms.

Worked with risk, compliance, and architecture teams to ensure scalability, regulatory compliance, and Shariah alignment.

Acted as the bridge between business stakeholders, vendors, and technology teams from design to market launch.

• Owned product backlog, prioritized features to deliver a seamless and secure payment to aligning with business goals
• Defined Business/ System Requirements, created user stories, workflows, and acceptance criteria to guide IT teams
• Review and provide feedback on Test cases

Responsibilities:
• Responsible for requirement gathering from stakeholders across geographies
• Creating epics, user stories, acceptance criteria, use cases, message catalogues, and customer journey mapping
• Performing gap/impact analysis of existing functionality with respect to new change
• Engaged with stakeholders, technology, operations, and compliance teams to ensure solutions met business
objectives and quality expectations
• Working with Product Owner for backlog refinement and prioritization
• Supported SIT and UAT, validating core features including onboarding, payments, account access, and multi
currency account service
• Acted as a Scrum team member facilitating Agile ceremonies including daily stand-ups, sprint planning, backlog
refinement, and retrospectives

Responsibilities:
• Delivered a global digital onboarding platform replacing manual processes, improving TAT and compliance accuracy.
• Created Epics, stories, requirements traceability, and supported design of globally consistent onboarding
questionnaires.
• Conducted UAT, created user manuals, and supported post go-live enhancements.
• Ensured alignment with HSBC Business Transformation Framework (BTF) across SDLC.

Responsibilities:
• Requirement gathering and analyzing impact of changes to existing system
• Epic, user story & acceptance criteria creation from high level requirements
• Product backlog management of outstanding enhancements/requirements
• Represent requirements to GCBM for approval and priority
• Functional support and training to front office personnel across geographies

Senior Business Analyst for HSBC bank

Associate Business Analyst for Capital Markets- Listed Derivatives, Clearing & Settlement, Reconciliations, Trade Life cycle, Future & Options

• Gathered and documented business requirements, data flows & systems
• Facilitated requirement discussions, alignment across multiple stakeholders.
• Analyzed impacts of changes on existing processes and systems.
• Created business scenarios and test plans for SIT, UAT, and regression testing.

• Gathered and documented business requirements, data flows & systems
• Facilitated requirement discussions, alignment across multiple stakeholders.
• Analyzed impacts of changes on existing processes and systems.
• Created business scenarios and test plans for SIT, UAT, and regression testing.