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Athiya Anees, Senior Business Analyst – Digital Assisted Banking

Athiya Anees

Senior Business Analyst – Digital Assisted Banking·Emirates NBD

India

Bachelor's degree, Electronics & Communication Engineering

Work experience

Total years of experience: 12 years, 7 months

Senior Business Analyst – Digital Assisted Banking

September 2025 - Present

Emirates NBD

Bengaluru, India Hybrid

September 2025 - Present

Digital Assisted Banking - multi-entity, application enabling sales agents to onboard New-to-Bank (NTB)
and existing customers across CASA, credit cards, personal loans, and Fixed Deposits across Emirates NBD, Emirates Islamic,
and KSA entities.
• Led end-to-end elicitation, documentation, and validation of detailed business requirements from Product Directors, sales
agents, and operations teams for account-opening, FD, credit card, and loan workflows across multi-entity banking platforms.
• Authored and owned comprehensive BRDs, Functional Specifications, and User Stories with clearly defined acceptance
criteria in JIRA and Confluence, serving as single source of truth for development and QA teams.
• Drove end-to-end gap analysis between existing banking processes and target-state digital workflows, identifying process
inefficiencies and recommending scalable solutions for CASA, credit card, and loan onboarding journeys.

Company industry:
Banking

Business Analyst – Payment Processing (Payrix Platform)

May 2023 - August 2025

Worldpay (FIS Global)

Bengaluru, India Hybrid

May 2023 - August 2025

• Gathered, analysed, and documented detailed business and functional requirements for payment processing systems
covering transactions, refunds, settlements, and chargebacks.
• Created clear User Stories, Epics, and Acceptance Criteria in JIRA, ensuring all payment workflows were well-defined and
traceable through to delivery and UAT.
• Performed thorough process mapping and business process gap analysis for payment channels including credit/debit card
transactions and bank transfers, identifying automation and efficiency opportunities.
• Collaborated closely with Product Managers, Developers, and QA teams to refine backlog items and ensure full alignment
between business goals and solution design.
• Defined data validation rules and business logic specifications for payment transaction data, account balances, and
transaction statuses across all integrated systems.
• Facilitated requirements review sessions and sprint planning ceremonies, providing domain expertise on payment processing
standards and ensuring stories met the Definition of Ready.
• Supported UAT by coordinating with business users to validate payment workflows end-to-end, documenting test results and
tracking defect resolution through to sign-off.
• Used DataDog logs and monitoring dashboards to analyse payment system behaviour, identify anomalies, and provide
data-driven requirement refinements to development teams.
• Recognised by Senior VP, Product Directors, and Engineering Leads for outstanding contributions, receiving a formal
appreciation award for best work and cross-team coordination.

Company industry:
Financial Services

Senior Automation Engineer

June 2020 - May 2023

Opentext (Microfocus)

Bengaluru, India Hybrid

June 2020 - May 2023

• Automated end-to-end business scenarios for Identity Governance web UI using Selenium WebDriver, covering Identity &
Access Management components.
• Automated Identity Governance APIs with OAuth 2.0 for multiple IG components using REST Assured.
• Automated product installation on Linux environments with different databases (Postgres, MS SQL, Oracle) using shell
scripting.
• Maintained CI/CD pipelines using Jenkins; performed version control with Git.
• Created test scenarios, test cases, and defect reports in ALM Octane; worked with TestNG and Apache POI frameworks.

Company industry:
Software Development
Job role:
Engineering

Automation Tester

June 2019 - June 2020

Unisys

Bengaluru, India Hybrid

June 2019 - June 2020

• Performed extensive testing for Air Cargo revenue accounting (Classic Air Cargo) for clients ALOHA and Air India.
• Designed and executed regression, functional, integration, and UAT test suites; participated in Agile/Scrum ceremonies.
• Automated test scripts using Selenium WebDriver; prepared Hybrid framework; identified and resolved defects.

Company industry:
IT Services
Job role:
Information Technology

Software Test Engineer

November 2013 - June 2019

Tech Mahindra

Bengaluru, India

November 2013 - June 2019

Company industry:
IT Services
Job role:
Information Technology

Education

Audisankara College of Engineering

May 2013

May 2013

Bachelor's degree, Electronics & Communication Engineering

India

Skills

BUSINESS ANALYSIS
Intermediate
BUSINESS ANALYSIS
Intermediate
AUTOMOTIVE INDUSTRY
Intermediate
AUTOMOTIVE INDUSTRY
Intermediate
BUSINESS REQUIREMENTS
Intermediate
BUSINESS REQUIREMENTS
Intermediate
CONSULTING
Intermediate
CONSULTING
Intermediate
CONSUMER BEHAVIOUR
Intermediate
CONSUMER BEHAVIOUR
Intermediate
CORE BANKING
Intermediate
CORE BANKING
Intermediate
DIGITAL BANKING
Intermediate
DIGITAL BANKING
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
FUNCTIONAL MANAGEMENT
Intermediate
FUNCTIONAL MANAGEMENT
Intermediate
PAYMENT PROCESSING
Intermediate
PAYMENT PROCESSING
Intermediate

Languages

English

Native Speaker

Urdu

Native Speaker