Nidhi Toshniwal

Mob- 510-***-****, email - ac3f35@r.postjobfree.com

PROFESSIONAL SUMMARY

Banking consultant with nearly 10 years of seasoned experience in Retail Banking operations, reporting, Mortgages, cards and wealth management

Requirements Gathering, Business Analysis, Gap Analysis, data analysis

High Level Design, Incident Management, Change Management and Knowledge Propogation.

Implementation Coordination

Strong communication skills, client interfacing skills, relationship building skills and problem solving skills.

Working knowledge of tools like HPQC, Intellimatch, Sap Business Objects (BO)

Working knowledge of Teradata (SQL), UNIX, Python

Functional expertise well augmented by excellent communication and interpersonal skills, with ability to interact with individuals of all levels.

Excellent research, analytical and logic building abilities

Pursuing MBA with majors in Business Analytics

EXPERIENCE

Company: Infosys October 2012- Feb 2017

Profile: Senior Consultant

Project: Driver Based Modelling Client: Barclays

Key Responsibility Area

As part of regulatory requirements the client needed to develop an analytical model to stress test their financials under different macro-economic scenarios. I worked as business analyst for the data sourcing team.

Understand and analyse the business requirements and their effect on data modelling and propose how to source data from different source systems

Understand the data sources for different product lines like savings account, transaction and business deposits, mortgages, personal loans and SME debt and priortise requirements basis the importance it has in product life cycle.

Define business rules and transformations required for data sourcing.

Functional walk through to development and testing teams.

Create requirements specification documents and RACI matrix for requirement tracking

Data validation

Design reconciliation process for data sourced via the new system vs MI reports and

Prepare weekly reports and share updates with client and Project managers

Apart from this, I also worked on Request for Information (RFI)/Request for Proposal (RFP) from the clients during the pre-sales interactions to highlight Infosys’ capabilities in the Banking domain.

Project: One Iberia Client: Barclays

Key Responsibility Area

Played the role of a Business Analyst during migration of Bank’s legacy system to new customized system based on RDBMS for a top tier European Bank. The project involved introduction of data warehouse for meeting bank’s accounting and reporting requirements.

Onsite role to liase between Business Team and technology team during Project Implementation phase

Requirements gathering and Preparation of high level Functional Design documents

BAU data testing and validation to ensure there are no breaks in the developed processes

Functional walk through to development and testing teams

Change Request Management

In the same Project I was earlier playing the role of Business Analyst for Testing Team. I was involved in

Designing High Level Functional Validation Scenarios

Requirements Validation and High Level Design validation.

Defect Prioritization

Company: HSBC March 2011- September 2012

Profile: AVP Premier

Key Responsibility Area

Continuous engagements with customers to understand their banking and investment needs and financing needs (short term and long term)

Conducting financial review for the client with help of wealth explorer software.

Designing investment portfolio basis the needs identified and the risk appetite of the customer.

Provide operational support to the customer for their transactional banking needs.

Liasoning with other departments to give customers a one stop solution for their banking and investment needs.

Helping customers meet their short term and long term funding needs through products like credit cards, loan against shares and mutual funds, loan against property, personal loans and Mortgages

Company: ICICI Bank Ltd, Pune. July 2007-Feb 2011

Profile: Manager

Key Responsibility Areas: Branch Banking & Wealth Management -

Forex and NRI services-

Complete knowledge of Forex- limits for inward and outward remittance- software used for travel cards, Traveler’s cheques and currency. Responsible for promotion of ICICI travel card and generating additional revenue for the bank.

Responsible for opening of NRI accounts and addressing the transactional and investment queries of NRI customers.

Mortgages- Helping customer with loan queries related to amortization schedule, foreclosure, pre-payment, delayed payment, penalty, and collections.

Audit and Compliance-Responsible for audit rating of the branch including internal sox and concurrent audit and Preparation of various monthly reports for audit purpose.

Customer Service-

Responsible for monitoring and improving the service quality scores of the branch on various parameters like- quality of request raised, service level of the staff, escalations, senior management complaints.

Controlling wait time for customers and ensuring lobby management.

Training- Training and updating staff on various banking processes and software’s.

Wealth Management

Cultivate and manage new and existing relationships of high net worth individual (HNI’s) through relationship building, excellent service delivery, cross selling and referral products.

Develop sales plan for each relationship to provide array of services like financial planning, credit and personal banking products and continually expand referral network. Achieve revenue and customer retention goals.

ACADEMIC QUALIFICATION

Pursuing Masters in Business Administration with majors in Business Analytics from International Technological University, San Jose.

Degree/Exam

Board/University

Percentage

Year of Passing

PGDM

IMDR, Pune

66.02

2007

B.COM

Pune University

75.01

2005

H.S.C.

Maharashtra Board

85.00

2002

S.S.C.

Maharashtra Board

81.86

2000

PERSONAL DETAILS

Date of Birth: 19th February, 1985.

Languages known: English, Hindi and Marathi

I hereby affirm that the information furnished above is true and correct.

(Nidhi Toshniwal)

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