Executive Profile

Product Analyst with *+ years of experience in Product Management, Business Analysis and Digital Transformation.

Successfully implemented end to end projects in Retail & Commercial Banking, Payments, Unsecured Lending, Third Party Payment Integration, Open Banking, Online Trading - Equities, Dispute Management (Chargeback), Transport Mobility & SAP HCM.

Client facing experience of 2 years in UK and with 10+ market experience.

Designed First Group mobile ticketing application under STNR program UK which saw the highest ever sales of £247K which was double as compared to year 2017. It helped widen the customer base and innovation of paper less railway journeys.

Delivered the change request of £1683000 in H1 2018 for train operating companies for their web and mobile solution.

Implemented Travel plan customer journey for credit and debit card customers which saw the positive conversion rate of 43% post COVID as compared to other credit card journeys.

Closed the service request of $85K in just 11 months helping the organization migrate to a better enterprise solution for capital management and reporting.

Experience of working on digital trading platform with access to stock exchange across market place, Understanding of Assets management, Trade life cycle, Equities, Mutual funds.

Skilled in clarifying business requirements, performing gap analysis between goals & existing procedures/skill set, designing process and system improvements to increase productivity & reduce costs.

Education & Credentials

B.E. (Information Technology) from University of Pune in 2013 – First class with distinction

Professional Experience

Growth Path & Deputation:

Mar’22 – Till Present

HSBC SABB – Riyadh, Saudi Arabia As Corporate Business Analyst

Jan’20 – Mar’22

HSBC – Pune, India (2.5 years) As Lead Digital Analyst

Feb’19 – Jan’20

ADP – Pune, India (1 years) As Business Analyst – Implementation Consultant

Aug’13 – Feb’19

Atos Worldline - Pune, India (5.6 years) Nottingham, UK As Consultant – Business Analysis

Key Result Areas

As Corporate Business Analyst – HSBC SABB, Saudi Arabia

Roles & Responsibilities:

Working as liaison between KSA regulator & SABB bank for end to end implementation of the corporate lending – SME with aim to digitally transform existing corporate journey replacing all manual and physical activities with more optimized solutions.

Integrate with 6+ third parties adhering to the Sharia compliant lending as regulated by the govt. of KSA.

Working on FX-digitalization Digital KYC Digital workflow management for SME & RM’s in loan onboarding.

Understanding the AS-IS, pain points & bottlenecks of existing processes. Suggesting the business with possible opportunities in optimizing the solution.

Preparing the SOW, DOU, BRD & FRD for the as per the TO-BE. Creation of workflow diagrams, sequence and state diagrams.

As Lead Digital Analyst – HSBC, India

Roles & Responsibilities:

Responsible for digital transformation of channels - browser and mobile journeys for payments, credit cards and unsecured lending.

Implemented customer journeys such as – Unsecured Lending (Spend Instalment, Balance Transfer, Cash Instalment Plan) Card activation Block Unblock Travel Plan Reset PIN Regulatory changes.

Worked as BA for open banking solutions for UK, Bahrain and Qatar – AIS and PIS journeys.

API integration projects for First Direct for payments (Domestic & International).

Undertook competitive benchmarking and user research across the markets for digital innovation in retail banking.

Creating the quarterly analytics reports across ASP markets to analyze the performance of live journeys and suggest the changes in the extended market.

Implemented project on corporate banking - Customer On-boarding and Credit lending – automation of the end to end process reducing the turnaround time for SME on-board and credit application.

Achievement:

HTI Achievement award 2022

Delivered RBI regulatory project – Transaction Limits (Domestic & International) within challenging 4 months with zero post production issues.

Travel plan journey for UAE and MYH with 34% conversion rate of customer post covid.

Implemented BUB journey for 3 markets with 2+ MN cost saving for next 3 years.

As Business Analyst – Implementation Consultant:

Roles & Responsibilities:

Implementing change for the National Accounts tower of ADP which handles clients which have more than 1000+ employees.

Main responsibilities include helping organizations with payroll implementation and enterprise solutions for loan and retirement management.

Guiding business with subject matter expertise as per the business proposals. Creation of RFIA and RFPS for vendor’s companies.

Getting the solution developed as per the requirements, quality check and guiding business during UAT.

Achievement:

Implemented change/service request of $85K in just 11 months

As Associate Consultant – Business Analysis:

Roles & Responsibilities:

Steering efforts for product and technical refresh cycle across ticketing products & services

Performing gap analysis and recommending solutions, writing functional and API specification documents for PayPal, Apple Pay and Google Pay solutions.

Implemented NFC solution for card reading, listing and hot list of cards solution. Engaged with SEPA implementation projects.

Monitoring the development of the product as per the specifications

Drive the project from concept to implementation while prioritizing and tracking requests

Supporting proposals for bidding for new clients and projects throughout the retail market and leading the key sections of an engagement along with continuous management of client relationships

Performed research on user experience enhance net & provided resolution of client enquiries, issues and suggestions

Facilitated change & configuration management; monitored performance, discovered variances and proposed necessary actions

Achievement:

Delivering change request worth £1683000 in H1 2018

Accolade Award for Delivery Excellence in 10th November 2016

Accolade Bronze Award for Excellent contribution in WL MTS – Envoy Project

Champagne Accolade Award for Delivery Excellence in October 2011

Delivery Excellence Award for Nokia SAP HR

Skills & Certifications

Method:

Agile, SCRUM, CSM, CSPO, Waterfall, SDLC

Business:

Story Boarding, Requirement Analysis, Requirement Gathering, Gap Analysis, User Story, BDD, Risk Analysis, Project Planning & Estimation, Test Strategy & Planning, User Requirements, and Wire Framing, Prototype, Competitive benchmarking, Stakeholder management, Estimation, Roadmap creation

Software:

JIRA, Confluence, HP ALM, SAP Human Capital Management, SharePoint, Balsamic and TOAD

Banking:

Retail, Corporate, Payment (Domestic & International), GPP API, Lending (Unsecured), Corporate Lending(SME), Open Banking, Open Payment framework, SEPA, UK Faster Payment, Card Payment

Certifications:

Certified Scrum Product Owner (CSPO®)

Certified Scrum Master (CSM®)

ISO20022 Certified

ISTQB (International Software Testing Qualification Board) – Foundation Level

Personal Details

Date of Birth

30 Aug 1991

Address

38 Park Majestique, Pune, India - 411060

MUJEEB J BAIG

adq81l@r.postjobfree.com +966-0595133411 +91-982*******

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