Business Analyst - Banking, Risk & Data Insights

Mustafauddin Ali Khaja

DE 302-***-**** ******************@*****.***

SUMMARY

Business Analyst with 5+ years of experience across banking, risk, and software delivery, specializing in turning ambiguous requirements into buildable solutions. Skilled in workflow redesign, data validation, SQL-driven analysis, and dashboard development for operational and credit- risk reporting. Adept at partnering with cross-functional teams to streamline processes, stabilize delivery, and improve decision-making. Known for cutting through noise, tightening execution, and ensuring solutions align with real business needs-not assumptions. SKILLS

Methodologies: Agile, Scrum, Kanban, Risk Management, Stakeholder Management Languages: Python, R, SQL

Documentation Tools: Business Requirements Document (BRD), Functional Requirements Document (FRD), Software Requirements Specification (SRS), Use Cases, Process Flow Diagrams, Product Requirement Documents (PRD), User Stories Visualization & BI Tools: Tableau, Power BI, Microsoft Excel, QlikView, Google Analytics Cloud Platforms: AWS, Google Cloud Platform (GCP), Azure Big Data Technologies: Hadoop, Hive, Apache Spark, Databricks Database: MySQL, SQL Server, MongoDB, Snowflake

Statistical & Analytical Tools: SPSS

Analysis Skills: Cost/Benefit Analysis, Impact Analysis, GAP Analysis, Risk Analysis, SWOT Analysis, Market Analysis Project Management: JIRA, Trello, MS Project, Budgeting, Timeline Management, Cross-functional Collaboration Other Skills: Data Cleaning, Data Wrangling, Critical Thinking, Problem-Solving, Communication, Presentation EDUCATION

Masters in Computer Science in Business Analytics Aug 2023 Trine University Detroit, Michigan

Bachelor of Commerce May 2019

Osmania University, Hyderabad, India

EXPERIENCE

PNC Financial Services, DE March 2023 - Current Business Analyst

• Led requirements definition for regulatory and credit-risk changes across lending products, improving delivery cycles by replacing ambiguous stakeholder requests with clear BRDs, FRDs, and user stories aligned to engineering constraints.

• Designed SQL-based data checks and analysis scripts that cut validation time by 40% for monthly risk reporting and uncovered recurring inconsistencies in loan-level attributes affecting delinquency calculations and fraud-flag logic.

• Rebuilt the underwriting workflow after mapping 15+ user interviews and shadowing sessions, removing two redundant approval steps and reducing average decision time from 3 days to 1.8 days for the targeted portfolio.

• Owned backlog management for a cross-functional squad (Risk, Fraud Ops, Lending, Data Engineering), improving sprint predictability from 55% to 85% by enforcing tighter acceptance criteria and blocking non-value-add scope.

• Delivered Power BI dashboards used weekly by managers and monthly by senior leadership, consolidating fragmented credit-risk KPIs and removing several hours of manual Excel reporting each cycle.

• Built a repeatable QA and data-validation framework for Snowflake and SQL Server pipelines that caught upstream defects early and reduced UAT data issues by over 50% within two quarters. Orion Technolab, India Jan 2019 - Nov 2021 Business Analyst

• Led requirements discovery for several mid-scale software and analytics implementations, documenting BRDs, SRS specifications, and user-flow models that reduced back-and-forth clarification for the engineering team.

• Translated inconsistent client requests into structured user stories with clear acceptance criteria, reducing rework for the development team by 25% over a six-month period.

• Mapped current and future-state workflows using UML and process diagrams after shadowing client teams, highlighting bottlenecks that helped reduce manual processing time by 10%–15% in targeted processes.

• Performed GAP and competitive analyses to validate feature priorities, helping clients drop low-value feature requests and focus roadmaps on data-backed decisions rather than assumptions.

• Built operational dashboards in Tableau, Power BI, and Excel for clients with 20–200 end users, enabling visibility into KPIs such as order cycle time, support ticket aging, and customer engagement.

• Collaborated with Dev and QA teams in a Scrum/Kanban setup, improving sprint predictability by tightening story definitions and ensuring handoffs were anchored to functional requirements, not informal interpretations.

• Coordinated UAT cycles across client and QA teams, catching defects earlier and reducing go-live issues by 30% across three major deployments.

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