Business Analyst Credit Manager

PROFESSIONAL SUMMARY:

*+ Years of professional experience in banking/Finance domain

Major areas of experience include Credit Underwriting, Debt Management, Product design, Business development, Retail Sales.

Experienced Credit Analyst skilled in risk analysis for all types of lending business.

Over 6+ Years of experience in Quality Assurance Life cycle (QALC) from requirement analysis to User acceptance Testing. Expert understanding of Software Development Life Cycle (SDLC) and Test Methodologies.

Extensive experience in software testing, QA Methodologies, QA Process, and software lifecycle

Extensive experience in devising test strategies, developing Test Plans, Test Scenarios, Test Cases, Test Matrixes, Test Reports, and documentation of Manual and Automated Tests based on analysis of business requirements, technical requirements, and design documents.

Experienced in Planning, estimating, and scheduling the quality assurance tasks

Expert in effectively managing expectations regarding status, risks, and assumptions as well as changes to project delivery, scope or cost resulting from QA activities.

Thorough understanding of detailed design documents, mapping documents end user documents for specifying the required changes and make suitable test cases and test plans.

Excellent in report generation in Crystal reports and Business objects.

Expert in data validation and data comparison in flat files or text files.

Experience in parallel testing, Black box, Functional, Integration, System, Regression, EIT, UAT and Database testing.

Extensive experience in tracking bugs using Bug tracking tools such as Jira and HP ALM

Experience in diversified business domains including Banking, Mortgages, and Insurance.

Excellent verbal and written communication skills, pragmatic team player with a combination of business acumen and technical skills.

Excellent problem-solving skills, experience in working on group projects, desire, and ability to learn and apply new technologies. Self-motivated and detail oriented.

Expert knowledge in setting up of total workflow.

Capable of coordinating, with onsite and Offsite teams and business.

Good knowledge of, scrum, Agile methodologies. Capable of handling huge amounts of DATA in the time bound atmospheres.

Strong analytical and organizational skills.

Implemented QA methodologies, practices, and processes in all kinds of applications, including Web-applications, Client/Server applications, mainframes and ERP applications.

Has extensive experience in Manual and Automated testing.

Possess excellent rating in the Basics aspects like self-motivation, punctuality, maintaining good work ethics, time keeping etc.

Overall, particularly good quality assurance skills, right from testing to project sign off.

TECHNICAL & BUSINESS SKILLS:

Database: Ms. SQL Server, Excel

Testing Approach: Waterfall, Agile/Scrum

Microsoft Tools: Outlook, Excel, PowerPoint, MS Access, Word

Browser: Firefox, Internet Explorer, Safari, Google Chrome, Opera

Defect Tracking Tools: HP ALM

Types of Testing: Manual Testing, UI Testing, Regression Testing, Black Box Testing, Functional Testing, Performance, Smoke

Domain Knowledge: Banking/Finance, Insurance, Credit Card System, Loans, Core Banking Software Solutions, Banks@24), Finacle

Operating Systems: Windows 9X/NT/2000/XP/Vista 7, 8, 10

Business Skills: Project Management, Business Analysis, Software Testing, Quality Assurance, Microsoft Office Skills, Team Building and Leadership

General: JIRA/Confluence

Education & Certification:

Bachelor’s in commerce business management, from Mumbai University, 2007

Certification of Insurance Regulatory and Development Authority

PROFESSIONAL EXPERIENCE:

Wireless Waves, Houston, TX

January 2020 to Present (Remote)

Business Analyst/QA

Wireless Waves is one of the wholesale businesses of mobile phones and accessories in Houston Texas. The project was to achieve the vision of their own online business via E-commerce website. I was responsible for the whole project right from coordinating with Client and development team. Testing, resolving issues, and training wireless waves team members in understanding whole concept & process. The project was completed with Agile Methodology. The portal is developed using J2EE technology with spring framework and my Sql database. Websites consist of 2 Module 1) Admin panel 2) Customer Panel. Website contains cart system develop using session management.

Responsibilities:

Analysed various documents and prepared test cases covering all requirements of the application.

Execute system release testing in QA and PROD environments in all supported browsers.

Defects were raised in the HP Quality Centre/HP ALM for logging, tracking, and reporting bugs in the application.

Studied the application flow, data to be used for exercising the different functionalities and created Test cases for functionality GUI boundary and error testing.

Provided the management with test metrics, reports, and schedules, as necessary.

Participated in the design walkthroughs and meetings.

Attended daily Scrum meetings

Participated in daily Triage meetings to discuss and set the priority of the bugs.

User Interface testing was done to validate so that the navigation of the application reflects business functions and requirements, including window-to-window, screen-to-screen, image-to-image, field-to-field and use of access methods.

Performed Functional testing, Regression testing, Adhoc testing, Performance testing and Smoke testing to check the application is error prone according to the requirement specifications.

Involved in critical testing like Production release.

Setup automation framework (TestNG, Junit) for the test in regression suite.

Execution of test scripts using TestNG.

Tested and deployed images on Virtual machines during Regression testing.

Set-up and executed test scenarios for regression testing as and when new builds were rolled in.

Track the defects throughout the defect life cycle

Experience in Black box testing with a complete QA cycle from testing, defect logging and verification of fixed bugs.

Worked as part of the Help desk support during the mock Go-Live and actual Go-Live weeks to help sort out user problems through emails.

Kotak Mahindra Bank Ltd, In

August 2014 to October 2019

Credit Manager/ QA Tester

Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit history checks

Prepared a complete Test Plan, Test Inventory, Test Data and divided the Test Plan into modules

Conducted Manual Testing on basic functionalities of the application

Working with product team to review the behaviour of portfolio with current policy and to alter policy and product if needed

Close monitoring and managing portfolio and jointly working with collection team on NPA cases

Prepared PL/SQL scripts to verify the database updates, inserts and deletes of the records

Recorded Test Cases, and generated QTP Scripts for automation of the testing process

Manipulated Test Script for Customized objects in the Application for verification of subsequent builds in the application

Worked in all phases Testing like Integration, System, Business Functionality and Regression Testing of the application

Performed Functional and automated Regression Tests using QTP

Compiled Test Scripts and Generated Reports for identified errors in the application using Test Director Defect Manager

Observed the Performance of the application by creating Vusers and Monitored the graphs using Load Runner

Emulated heavy load on the server by inserting Rendezvous Points

Tested the application for specific Performance and End User Testing on its compatibility on various web browsers like Netscape navigator and Internet Explorer

Gathered the Test Input Data, which includes Pre-condition, Test Results and Test Regression Data

Provided data to the business analysts during UAT

Axis Bank, In

February 2013 to August 2014

Branch Sales Manager

Handling acquisition business of new to bank credit card clients.

Managing branch sales team and front desk officers.

Planning and working with sales team for promoting business in branch vicinity.

Responsible for promoting cross sales and revenue products to branch customers.

Handling targets of acquiring high net worth individual and corporate clients.

Handling and enhancing portfolio book size.

Creating and reviewing monthly miles stones to achieve yearly assigned targets with allotted budget and team size.

HDFC Bank Ltd, India

January 2009 to January 2013

Debt Manager

Handling high severity credit card collection through contact centre unit.

Hire, train develop and provide leadership to team members

Responsible for resolving disputes cases and settling nonperforming accounts.

Handling collection agencies making sure they adhere bank standards and policy.

Make independent credit decisions within designated approval levels, establishes new credit lines, and maintains existing accounts.

Preparing and leading plan for action for best churning of accounts before getting write off.

Handling high tickets cases personally and visiting clients for one-to-one discussion to close them with best possible outcome.

Actively working with compliance and quality team to ensure collection officers practicing protocols and resolving escalations if any.

Preparing MIS and reporting to region head.

Review training processes, identify process improvements and implement upgrades to drive efficiency improvements and build staff morale

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