Digital Product Owner
HCL Technologies - United Arab Emirates
Total years of experience :11 years, 6 Months
Designing Product Road Map,
Guiding BA’s,
Creating User Stories,
Reviewing & Managing Product Backlog and RTM,
Actively Indulged in guiding Dev and QA team,
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.,
Conducting Requirement Eliciting Sessions with Stake holders,
Change Request Management and Impact Analysis,
GAP Analysis,
Conducting study of competitions & Analysis of new trends in the market.
Projects worked:
Personal Finance (Top Up, Pay day, Short term and Long Term Finances).
Designing Product Road Map,
Guiding BA’s,
Creating User Stories,
Reviewing & Managing Product Backlog and RTM,
Actively Indulged in guiding Dev and QA team,
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.,
Conducting Requirement Eliciting Sessions with Stake holders,
Change Request Management and Impact Analysis,
GAP Analysis,
Conducting study of competitions & Analysis of new trends in the market.
Projects worked:
Retail Loans (LOS and LMS): HL, LAP, PL and VL.
Co-Lending (LOS and LMS).
Lending (LOS and LMS).
Collections Management (Deliquency, Restructuring, Repayments, Part payments)
Supply Chain Finance for both Lending and Co-Lending.
Specialized in Change Management, designed a solution with minimum impact to the Current System Flow and Increasing the Business Productivity.
Successfully Designed and Implemented Loan Management System for Supply Chain Finance. (Accounts Receivables, Factoring/Reverse Factoring, Accounts Payables, Invoice/Check Discounting, and PO finance)
Managing Product Backlog and RTM
Actively Indulged in guiding Dev and QA team.
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.
Conducting Requirement Eliciting Sessions with Stake holders
Change Request Management and Impact Analysis
GAP Analysis
Preparation and Review of FSDs, UAT guidance, Reviewing Test cases and Scenarios.
Conducting study of competitions & Analysis of new trends in the market.
Projects Implemented:
Electronic Vendor Finance System. (Factoring, Reverse Factoring and Invoice Discounting)
Electronic Dealer Finance System.
Electronic Purchase Order Finance System.
Specialized in Change Management, designed a solution with minimum impact to the Current System Flow and Increasing the Business Productivity.
Retail Loans, MSME Loans and Transaction Banking.
Actively Indulged in Production Support and Testing
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.
Conducting Requirement Eliciting Sessions with Stake holders
Preparation and Review of FSDs, UAT guidance, Reviewing Test cases and Scenarios.
Conducting study of competitions & Analysis of new trends in the market.
Projects Implemented:
Retail LOS: : HL, LAP, PL and VL.
MSME Loans.
Specialized in Change Management, designed a solution with minimum impact to the Current System Flow and Increasing the Business Productivity.
Web Application Product
Working with different clients (United States) in the Payment Cards Industry (Credit Cards).
New client onboarding on Credit Card Issuing platform.
Product enhancements in the Credit Processing environment as per the client’s business requirements. Experience on
working CoreISSUE (similar product as VisionPLUS)
Extensive work experience in API i.e., the proposal of new API, enhancement, and review of existing API. Standardized
and Enhanced API documentation for easy integration with client platforms for the clients including the world’s largest
investment bank.
Worked on many important APIs such as Account Creation, Card Activation, Transaction History, Statement MetaData,
Post Transaction, Update Cardholder Information, Get Card Details, Get Account Balances, Change Pin, Account Balance, Loyalty Points, Initiate Dispute to name a few.
Actively Indulged in Production Support and Testing
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.
Conducting Requirement Eliciting Sessions with Stake holders
Change Request Management and Impact Analysis
GAP Analysis
Preparation and Review of FSDs, UAT guidance, Reviewing Test cases and Scenarios.
Conducting study of competitions & Analysis of new trends in the market.
Projects Implemented:
Client Credit Policy Implementation (Rules and Calculations)
Credit Bureau Integration (Equifax, Experian and TransUnion)
Credit Payments, Returns and Reversals
Credit Cards (Embossing and Activation)
Credit Card Issuing and Onboarding
Card Dispute Management System (VISA and Mastercard)
Collections Module
Merchant Transaction Authorization
Buy Now Pay Later
CIP - Lexis Nexis implementation
Designed and implemented a fully automated “Microfinance Loan Origination System” process for New and Existing customers of the Microfinance Client, which reduced the Loan Disbursement TAT from 3 days to 30 minutes for an Existing Customer and from 15 days to 2 days for a New Customer. This also increased the Customer Base with a
Huge Margin comparatively before the Implementation of this System.
Specialized in Change Management, designed a solution with minimum impact to the Current System Flow and
Increasing the Business Productivity.
Product based on BPMN Tool
Managing on-site development and support Team
Actively Indulged in Production Support and Testing
Managing Stakeholders and Suggesting new ideas as solutions to increase productivity making sure business continuity.
Conducting Requirement Eliciting Sessions with Stake holders
Change Request Management and Impact Analysis
GAP Analysis
Preparation of BRD, FSD, SIT Results, UAT documents, Creating Test cases and Scenarios
User Manual Creation Module wise and Conducting User Training
Conducting study of competitions & Analysis of new trends in the market.
Projects Implemented:
Mobile Microfinance Loan Origination System via Mobile and Web Application.
Mobile CASA Account Opening via Mobile and Web Application.
Mobile RD Account Opening via Mobile and Web Application.
Transaction Banking.
Team handling, appointing roles and Sales Training.
Acting as a SME for Company’s Technological Advancements
Implemented REMS “Real Estate Management System” for the Company for Customer Relationship Management,
Lead Management and MIS Reports
Managing Stakeholders and creating new ideas to increase productivity making sure business continuity.
Field marketing & sales, generating leads and identifying the market & customers.
Attending individual and corporate clients and maintaining their relations with the company
Organizing and participating in promotional Events.
Conducting study of competitions & Analysis of new trends in the market.
Regularly Updating the MIS reports.
Assisting and appointing DSAs and closing the deals with their clients.
Projects Implemented:
Real Estate Management System (For CRM and Lead Tracking)
Team handling, appointing roles.
Quality Check and rectification of the errors in the clients Documents by analyzing them under the process called
‘Verification’.
Project: Service Sector Industry - An Overview Activity: Contingent Leader/College Representative