Vijaya Jyoti

ac77mp@r.postjobfree.com

+1-317-***-****

PROFESSIONAL SUMMARY

Business Analyst, bringing in rare mix of business, risk and technology acumen and record of achievements in Domain of Banking and US Mortgage Originations and Servicing. (NMLS Certified)

Proficient in Requirement Elicitation, Personal interview, Requirement workshops, JAD sessions. GAP Analysis, Dependency / Impact Analysis, As-is and To-Be flowchart creation.

Gathering Business and functional requirements for business process refinement and automation, data modeling, conducting feasibility studies and scope

Well acquainted with database warehousing, Hadoop tools HDFS, Apache Hbase, Apache Hive and Apache Flume

Developed RACI Charts for clarifying roles and responsibilities in cross-functional/departmental projects and processes

Excellent business writing skills essential for producing various business documents such as Business Requirements Document (BRD), Functional Requirements Document (FRD), and Non-Functional Requirements Document (NFRD), Business Process Documents, Business Flow Documents, User Training Manuals, User Interface Specifications

Experienced in Data Analysis techniques such as Data Flow Diagram, Data Mapping, and Decision Tree Analysis

Comprehensive knowledge of software development methodologies (SDLC) such as Waterfall and AGILE SCRUM

Strong knowledge of Business Process Modeling assessing “As Is” & “To Be” scenarios and Business Re-Engineering (Re Design) research, & implementation methodologies, creating flow diagrams & process mapping

Applied Object Oriented Analysis and Design (OOAD) approach to analyze the business and functional requirements on various projects

Well versed in performing Change Management by using Impact Analysis, Gap Analysis. Developed Requirement Traceability Matrix using MS-Excel

Worked on various Graphical user interface & Web-Based user interface with great excellence

Extensive experience in analyzing and creating Use Cases, Use Case Diagrams, Data Flow Diagrams, Business Flow Diagrams, Navigational Flow diagrams, Swim Lane Diagram, and Sequence Diagrams using MS –Visio

Extensively worked with the On-site and Off-shore Quality Assurance Groups by assisting the QA team for developing Test Plans, Test Cases, and Test Scripts etc., conducted User Acceptance Testing (UAT) and System Integration Testing (SIT)

Worked with the ETL team for successful implementation of project

EDUCATION

< M.SC in Mathematics/ Statistics – Year 2000 < PGBA in Finance - Year 2005

TECHNICAL SKILLS

SDLC Methodologies

Waterfall, Agile

Requirement Management Tools

DOORS

Business Modeling Tools

Smart Draw, MS-Visio, Snipping Tool

ETL Tools

Informatica Data Validation, Workflow Manager, Workflow Monitor, Teradata

Databases

SQL Server, Oracle, DB2

MS Office Suite

Word, Excel, Access, PowerPoint, Project, Outlook, MS Visio,

TATA Consultancy Services March 2012 – Till date

April 2018 – Till Date

Project: PNC Bank

Data Analyst/ Business Analyst

Project involved transformation of data for Credit Card, Mortgage HELOC Loans and Student Loans from the Banks legacy system- Enterprise Data warehouse (Data Center) to the new system and creating the combined Teradata cross functions view for quick and easy access for the users.

Responsibilities:

Managing the overall Implementation, Development and maintenance of Data ware house project for New Data set – Credit Card and Student Loan.

Reviewing the Business requirements along with the stakeholders and Solution Architect. Transform the needs of stakeholders into Functional / Non Functional and Technical requirements.

Conducted JAD workshops. Worked on large data sets for Quantitative and Qualitative analysis. GAP Analysis, Dependency / Impact Analysis, As-is and To-Be flow chart and Use Case creation to help IT better understand the requirements.

Developed Business Process Work Flows using MS Visio.

Created E2E Process Maps for new processes and identify opportunities for improvement.

Coordination with Offshore and Onsite teams.

Prepare application documentation for designs, development trackers, support guides, standards, checklists, templates etc.

Understanding Retail Banking Business Processes, requirements of the project, conducting the analysis. . Preparing the document of finding and providing recommendations.

Arranging walkthrough sessions for review of Requirement Documents and capturing the feedback/mapping input provided by the stakeholders.

Responsible for effective implementation of Requirement Management, Change Control Management, Issue management, Defect Prevention Management, Release Management and Project Management tasks.

ETL – Extract Transform & Load Data using Teradata and Informatica

Use SQL to query a database and fetch details to create reports

Coordinating and participating in Daily standup meetings, iteration planning, retro meetings, weekly meetings and walkthroughs with the Management Team

Providing training to the team to understand and clarify functional requirements to the developers.

Updating Business Requirement Document (BRD), Functional Requirement Document (FRD) and Process/Organization Model Diagrams

Conducting meetings to analyze the development and test estimations. Traceability Matrix preparation

Conducting the review meeting with the stakeholders and LOB and obtaining the sign offs

Primary liaison between the Business Group and Technology Team (Developers, SIT team and UAT Team)

Creating automations (Excel, Macros, SharePoint, Office 365) and improving processes in order to maximize performance.

Ensure project quality compliance and management. Identification, monitoring and mitigation of risks in project.

May 2016 - March - 2018

Project: Freddie Mac (McLean, VA)

Business Analyst

Large scale project involved change in various functionalities in the current applications and creation of new functionalities as per the requirement levied by the FDA on Freddie Mac for securitization of loans.

Responsibilities:

Managed a team of Business Analyst, developers and testers.

Coordinated daily, weekly and monthly meetings with project team and leads to keep track of Project deliverables and milestones achieved. Maintained and updated daily issue tracker. Prepared weekly SLA compliance reports

Determine feasibility of requirements and developed project documentation for signoff

Formulating and implementing Operations & Quality structures, procedures as per business and client’s requirements, customer centricity with focus on quality, productivity and cost control.

• Transform the needs of stakeholders into Functional / Non-Functional and Technical requirements.

• Creating automations (Excel, Macros, SharePoint) and improving processes in order to maximize performance.

• Developed Business Process Work Flows using MS Visio and Draw smart.

• Created E2E Process Maps for new processes in Mortgage Default Servicing, Mortgage Performing Loans and derived opportunities for improvement.

• 6 Sigma Tools Implementation to ensure maximum focus on Quality.

• Understanding Business Processes, requirements, identifying potential issues/gaps/risk in the “As-Is” processes for Mortgage Default Servicing and Mortgage performing Loans and recommending for process improvement to reduce cost, improve and maximize efficiency.

• Carrying out Requirement Analysis based on Process Improvements (P& I) inputs.

• Arranging walkthrough sessions for review of Requirement Documents and capturing the feedback/mapping input provided by the stakeholders.

• Providing training to the team to understand and clarify functional requirements to the developers, SIT and UAT team.

• Conducted Gap analysis, Impact analysis and Root cause analysis. Implementation of best practices in project management.

• Conducting workshops and brainstorming sessions. Coordinating with business users to understand, document and implement business requirements to automate reports assigned.

• Updating Business Requirement Document (BRD), Functional Requirement Document (FRD) and Process/Organization Model Diagrams and uploading the documents in DOORS.

• Coordinating and participating in weekly meetings and walkthroughs with the Management Team.

• Enhancing the team skills and guiding the members in implementing, Best Practices & Best Practice Replications

Helped the UAT Team for creating User Acceptance Test cases on behalf of the user, Created, deleted modified for the related applications.

May 2015 – May 2016

Project: Flagstar Bank

Program Manager - Cincinnati, OH

Responsibilities:

Conducted PIBS (Partner in Business Success) of various Mortgage Process to Gather the customer requirements, documenting requirements, New Process Design, Impact Analysis, & defining project plans.

Understanding Business Processes, requirements, identifying potential issues/gaps/risk in the “As-Is” processes for Mortgage Default Servicing and Mortgage performing Loans and recommending for areas of reducing cost, improve and maximize efficiency

Hiring the project team at onsite and offsite team.

Managed Client Relationship - Determine client needs and expectation. Driving process excellence & technology.

Overall Project Governance: Daily, Weekly & Monthly Project Status reporting. Including Resource management and administrative task, Manage Project costs, cost benefit estimates, billing pricing and budgeting principles. Preparing reports for the Sr management, taking care of all the compliance and regulatory issues for the process

Design & implement migration of mortgage processes & application

Prepared Process documents, Process flows, Process maps on MS VISIO, maintained the documents and updated system/training documents and manuals.

Interpretation of data to identify key metrics and draw conclusions. Proposed solutions to improve system efficiencies and significant operating cost

Gap analysis, Impact/Defect analysis and Root cause analysis and Implementation of best practices in project management

Analyzed and resolved issues reported by customers in the production environment taking into account the stringent SLAs.

Controlling operations in compliance to the rules and regulations laid by various governing bodies. Ensured Preparedness for internal and external audits

Significant exposure in developing and effectuating innovative business development strategies.

Establishing and restructuring systems / processes, thereby contributing in a major way towards augmented growth and profitability levels.

Enhancing the team skills and guiding the members in implementing, Best Practices & Best Practice Replications.

Part of various focus group discussions at the Organization level and numerous surveys aimed at improving existing systems and discussing new initiatives on service, procedures, work-life balance and Employee attitude etc.

Gained in-depth knowledge of a wide range of Quality Tools utilized in 6 Sigma with proven skills.

Member of the core team which is responsible for policies, procedures, operations control and customer services (Operations & Transaction Monitoring Governance Member).

Implementing various projects, initiatives (automations, audit, operations etc.), in the Organization from time to time.

Environment: SharePoint,, MS Excel Macros, Word, PowerPoint, Client Mortgage applications - Laser Pro Mortgage (LPM), Filenet (Documents repository), Loan Review System (LRS), LOAN TRAC, P8, Mortrac, Destiny, Doc velocity, Desktop underwriter, Loan prospector, Main Frame, Finacle

Mar 2012 – May 2015

Project: Citi Mortgage

Gurgaon, India

Service Delivery Manager

Responsibilities:

Develop & Design project implementation plan. Designing operations strategy handling complex process, assigning responsibilities & establish interface with other functional areas within the organization.

Worked on project management techniques and tools, including project resources, project plans, status updates, communication plans, and risk assessments for assigned projects.

Handled all the phases of the projects, Knowledge Transition, Pilot, and business as usual implemented 5D transition methodology.

Reviewed the current processes. Prepare the AS-IS process map and the TO-BE scenario

Worked on various Mortgage products including fixed rate, ARM, LIBOR ARM, Ballon.

Interacting with the client for gathering the process requirement, understanding the scope of project, designing/ developing the process workflow and created end to end process notes.

Created procedure document obtaining the required approvals

Analyzing the process data for time and motion, defects analysis, team performance

On reviewing the processes, recommended value additions in the process through process re-engineering, automation at the time of process transition / in business as usual phase.

Implementation of Workflow processing tool (In house application to handle the data base upto 1 million transactions), gathered the requirements, created Business Requirement Document (BRD)

Created the team and monitored the team of User Acceptance Test (UAT)

Process stabilization post procedure revamped. Driving process improvement initiatives using statistical tools. Determine training needs of associates and conduct suitable training programs to enhance their operational efficiency.

Handling customer service escalations, feedback analysis and developing control measures in place to ensure non-recurrence.

Presales: Identification of new growth opportunities within existing businesses both in the Operations and Migrations role. Worked on end to end Presales activities “Request for Proposal" (RFP's), Vendor presentation, preparing questions, Due diligence and contract negotiation calls.

Environment: MS Excel, Word, PowerPoint Laser Pro Mortgage (LPM), Filenet (Documents repository), Loan Review System (LRS)

Barclays Shared Services December 2009 - March 2012

Noida, India.

Data Analyst/ Risk Manager

Responsibilities:

Data Analysis of the Key risk indicators pertaining to Information Management / Business Continuity Management / Physical Security for the Business Units across Countries and providing the base for level of comfort to the Group Process owners for Turn Bull Attestation (UK regulatory requirement) and to ensure that the Processes are aligned to the Group’s policy and standard.

Analyzing the data pertaining to the Dispensation (Exceptions/ waivers/ Breaches) to the policies for the various units and reporting the aged dispensations/ waivers/ Breaches and associated risks. Preparing the detailed monthly report for the higher management for attention and taking the appropriate and timely actions

Analyzing the Audit Observations and highlighting them to the different principal risk owner to ensure timely closure of the same.

Created excel based data analysis and reporting tools using complex formulae and macros generating the automated graphs and Printing of the report directly from the excel into PDF format.

Extensive experience implementing excel based automations

Extensive data analysis skill for defining business rules and senior management level reporting.

Ability to understand the existing business process issues and reverse engineer to implement the effective business process.

Creating flow diagrams for critical data elements while implementing Data Lineage.

Very strong Business analysis skills like conducting requirements gathering sessions, Writing BRD, FRD, Data Mapping, Flow diagrams, System Integration Testing(SIT), User acceptance testing(UAT), and Change Management.

Experience in Defect Tracking, Requirements Tracking and Change Request implementation.

Conducted interview/ Brain storming sessions with end users for requirement gathering.

Managed Logical access management of various SOX applications and monitoring the Grey list management, conducting the recertification process and monitoring the Breaches in segregation of duties.

Process document preparation and Training the new joiners on the various activities being handled.

Preparation of the Quarterly Principal Risk report.

Extensively involved in Quality Assurance Test Plan Creation, reviewing and monitoring progress, risks and resources, schedules.

Strong analytical and problem resolution skills with ability to plan, prioritize, and work efficiently in a multi-tasking environment.

Experience in creating data mapping documents between multiple systems.

Experience in Validating the data between different systems in each phase of the project using excel.

Strong excel skills like writing complex formulas (using VLOOKUP, INDEX etc creating reports, PIVOTs, and macros.

Special project: ISO 9001 – Developing the Quality management system and required documentation for making the Controls environment department ISO 9001 compliant.

Environment: HTML, SharePoint, MS Excel, MS PowerPoint, MS Project, MS Word, Macros,

RBS Shared Services December 2005 - November 2012

Gurgaon, India.

Risk Analyst

Responsibilities:

Data Analysis of the Operational risks associated with the Domestic and International Business using various tools.

Monitoring the Basel II and Sox requirements in the various Banking processes

Analysing the results of Risk self-Assessment (RSA), Operational Risk Analysis Procedure(ORAP), Process Review Thematic Review, Scenario Analysis during the different lifecycle of the processes. Preparing the high level monthly and quarterly reports for the business stakeholders

Analyse the loss data for against the Basle II and Sox requirements

Review the Project Charter, Service Level Agreements, Standard procedural notes and BCP / Business impact analysis document for its completeness and correctness.

Report trends on Operational Risk issues by; Review of RSA, ORAP, events, SLA, KPI, process and other source documents of the units.

Escalate results to Site Heads through monthly dashboard MIS.

Monitoring the Overall risk analysis of the business units on the Basel 2 Compliance, Audit, BCM, Compliance, Service Quality and SOXA parameters on monthly basis.

Analyze Overall Risk for the units across all disciplines every month and provide a report to the Site Head.

Prepare monthly Risk dashboards for the units under the area of responsibility.

Provide timely updates on Regional reporting to the Central Team.

Creating process Risk maps (Risk heat maps); parameters are updated regularly which may change the ratings.

Prepare the Risk Assessment plan for the Business unit’s basis the Risk maps.

Extensive data analysis skill for defining business rules and senior management level reporting.

Ability to understand the existing business process issues and reverse engineer to implement the effective business process.

Worked on Quality project of “Proactive risk management”.

Conduct Training Risk awareness sessions for various Business Units.

Environment: HTML, SharePoint, MS Excel, MS PowerPoint, MS Project, MS Word, Macros

US Residential Mortgage Underwriting Assurance Team Leader

Certified US Residential Mortgage Underwriter for the quality assurance team of Home Loans originating in U S. Core process involves credit appraisals, scrutiny and analysis of documents (income / debts / assets) for appraising the repaying capacity of the applicant and to assess the overall risk associated with the loans.

Reviewing the Underwriting Conforming and non-conforming Residential Mortgage Loans with Fixed rate, ARM, LIBOR ARM products, Primary, secondary and Investment properties and providing decision on approval / decline.

Highlighting the conditions for the missing documentation / noncompliance to the underwriting guidelines.

Conducted the concurrence review with the Freddie Mac and Fannie Mae

Certified from the U.S branch for complete underwriting

Handled the team management responsibilities in the capacity of Team Leader

Conducted the Underwriting Training for the new joiners and Knowledge sessions for the team

GENPACT January 2001 – September 2005

Project: GE Mortgage Insurance Corporation

Gurgaon, India.

Mortgage Underwriter

Responsibilities:

Underwriting Conforming and non-conforming Residential Mortgage Loans with Fixed rate, ARM, LIBOR ARM products and providing decision on approval / decline.

Responsible for MIS related activities like daily reporting of individual volumes, touch time & accuracy.

Functional training of all new joinees in the department.

Handling a team of 7 members & taking care of the process related issues with the customer.

Responsible for generating the performance report (cal ppd, sigma, touch time), making dashboards & analysis of it.

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