Dhruva Kumar

*** – *** -****

ad23m3@r.postjobfree.com

Professional Summary:

Over 8 Years of experience as a Business Analyst/Business System Analyst/Data Analyst in various domains including Finance, Commercial, Mortgage and Retail Banking

IT liaison for Marketing organization, enabling IT functions and processes supporting Market Research

Partner with Market Analytics group to design dashboard and other analytics solutions.

Undertaken the detail analysis of credit risk, market risk and operational risk pertain to the banking industry.

Coordinating with onsite/offsite team – Market/Product Analysts for requirement upgrades and details for the newer product versions

Product/project experience with cross organization, budgeting, technology, audit, market research, operations reviews, business process transformations, implementations and integrations

Interacted with the wealth management team to understand their daily task and gather their requirement.

Worked with Portfolio managers of Asset/Wealth management group to gather requirements about performance measurement attributes of various assets class.

In-depth knowledge in the Investment Banking Industry, Project Finance, Credit Card Industry, Mortgage Loan Origination, Loan Servicing, Treasury Services ACH, Wire Transfers etc., Brokerage Services, Commercial Banking, Retail Banking, Asset Wealth Management, Liquidity Risk, Cash Management, Capital Market risk and Credit Risk Fundamentals.

Expert communicator written, verbal and presentation involved in high level interaction and influence with variety of audiences Senior Executives, Clients PMs, Scrums, developers, SME as well as PMO

Experience analyzing and documenting project scope documents and SOWs, project plan, project/requirement change request forms, BRD, FRD, SDD, requirement traceability matrix, use cases/sequence diagrams, UML, wireframes/mockups, end user documentation and BPM notations

Worked extensively with teams for development of Business Rule Engines to support SOA architecture and web services.

In depth knowledge of the Software Development Life Cycle SDLC using Agile and other methodologies such as Rational Unified Process RUP and Waterfall

Experienced working with Business Intelligence BI and Data warehousing tools like Cognos, Hyperion Essbase, and Informatica.

In-depth knowledge of Project Management Book of Knowledge PMBOK

Proficient in creating and managing Requirement Traceability Matrix RTM for tracking and managing changes based on project's evolving needs.

Facilitated Joint Application Design JAD and Rapid Application Development RAD teams with all IT group members for communicating managing expectations and to discuss various means for integrations with current system using an adoption through execution strategy.

Working knowledge in writing SQL query for identifying databases involved in the application development.

Created defect tracking using HP QC and JIRA and reviewed them in subsequent iterations of the application development process.

Strong understanding of financial valuation concepts and various capital market instruments and processes including Equities, Fixed Income, Foreign Exchange, Derivative OTC Back-Office operations.

Knowledge of Mortgage Loan Origination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and Title functionalities

Understanding of investment banking, asset management and other fund management functions.

Created tabular, matrix, pie, bars and column reports to meet client requirements.

Performed ETL and analyze different sources of incoming data and performed various transformations.

Worked extensively with application programmers to develop proposed solution prototypes.

PROFESSIONAL EXPERIENCE:

PNC Bank Nov 2019 - Present

Philadelphia, PA

Sr. Business Analyst

Oversaw the business process analysis and creation of the Business Requirement Document BRD in support of Commercial and Investment banking.

Gathering requirements, creating the user stories and building backlogs for the product.

Groom backlog of features to ensure ready for iteration planning sessions including documenting acceptance criteria, business rules and other models needed by teams defines As-Is and To-Be process flows to identify gaps and new requirements.

Adding required information into user stories such as business value, scope of change, non-functional requirements and acceptance criteria.

Prepared test cases and testing the application.

Extensive use of JIRA to create user stories.

Created epics and user stories in JIRA for product backlog.

Conducted with Mass Mutual business customers to obtain clarity on technology that would meet their objectives.

Interacted with the Subject Matter Experts SME's and stakeholders to get a better understanding of client business processes and gathered business requirements for Reconciliation and Reporting functionalities.

Created detailed Business Process Models BPM and incorporated Business rules pertaining to those processes during the initial discovery phase of the project.

Defined and updated BPM Business Process Models and Business rules for various applications by interacting with the application owners and Subject Matter Experts SME’s.

Prepare project progress reports and status reports for management on an ongoing basis.

Collect and analyze existing customer data and external market data, to identify market trends and opportunities.

Manage OBIEE technical requirements based upon SME information and determine optimal development approaches.

Develop OBIEE metadata repository at three layers- Physical Layer, Business Model and Mapping Layer and Presentation Layer. Work on customizing Repository and configure metadata objects Subject Area Table Column and Web Catalog Objects such as Dashboards, Pages, Folders, and Reports.

Collaborate with project and client leadership to configure interactive dashboards to track progress.

Lead requirement reviews with business and technology teams.

Critically evaluate information gathered from multiple sources.

Reconcile conflicts and break-down high-level information into details.

Distinguish user requests from the underlying true needs for Reporting Functionality.

Performed extensive requirement analysis including data analysis and GAP.

Design detailed Use Cases to then derive Functional requirements from detailed Use Cases.

Capital One July 2016 – Oct 2019

McLean, VA

Business Analyst

Served as a liaison between the business and technical developers to define problems, enhancements, and solutions.

Knowledge and extensive experience in developing and enhancing applications for financial processes including Derivatives, Asset Management, Private Wealth Management, Portfolio Management, Loan Origination, Trade, Brokerage and Settlements.

Expertise in identifying and documenting detailed Business Requirements pertaining to Portfolio Management, Performance.

Reporting, Wealth Management, Online Retail Banking, Product Management and Transaction Processing.

Good understanding of financial concepts like Financial Budgeting, Portfolio Management, Wealth Management, Capital Markets, Reconciliation, Settlements, Trade Flow Management.

work with the Wealth Management Digital channel managers to support a multi-year strategic roadmap to implementation.

Facilitate Work sessions and Solution discussions across business units to understand reported problems and to drive acceptable solutions / workarounds.

Working with clients to better understand their needs and present solutions using agile approach.

Interacted with the agile team to gather requirements from the customer and documented for use by the developers through Story Card.

Created best-practice requirements deliverables, such as use cases, system process flows and context diagrams.

Gathered requirements, developed Process Model and detailed Business Policies.

Designed Use Cases using UML and managed the entire functional requirements life cycle using RUP.

Review Use Case History to identify existing requirements that support claimed functionality performance.

Key Bank Dec 2014 – June 2016

Cincinnati, Ohio

Business Analyst

Strong Knowledge of Trade Life Cycle and Gap Analysis

Documented the FRDs and BRDs for Ecommerce projects.

These specifications included UML-based use case models and activity diagrams, and usability analysis/user interface.

Managed requirement activities using an iterative and incremental methodology such as Agile using User stories and Acceptance Criteria.

Conducted Gap Analysis for the system considering AS IS and TO BE features.

Develop user manuals, presentations and training manuals as per project specifications and timelines.

Created the Traceability Matrix to ensure that all the user stories are being tested and covered in the testing plan.

Worked closely with the business users to build the models and delivered based on the sign-off.

Prioritized release and sprint backlog with product owner and stakeholders. Defined testing scenarios and acceptance criteria. Addressed normal and exception flows including data validation requirements.

Participated in Data Mapping, Data Conversion, creation of the Data model and used SQL and Toad to extract, filter and validate data.

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