Cynthia Acharya
Business Analyst
Pune
Summary
Strategic business professional with 8+ years in banking, focusing on digital payments, reconciliation, and ATM operations. Experienced in requirements gathering, data analysis, and stakeholder management, leading cross-functional teams to deliver innovative solutions. As Product Owner, drove product improvements and enhanced business processes, contributing to product innovation and strategic growth.
Overview
9
9
years of professional experience
3
3
Certifications
Work History
Business Analyst
DBS Bank India Limited
01.2022 - Current
- - Translate and elicit comprehensive business requirements into detailed User Stories, BRD, FRD, and SRS documentation.
- - Conduct Gap Analysis, Scope Analysis, and Impact Analysis on business processes using UML Use Case Diagrams, Context Diagrams (Data Flow Modelling), BPMN (process modelling), and Flowcharts.
- - Perform AS-IS and TO-BE process analysis to recommend and design effective change strategies aligned with business goals.
- - Lead and facilitate requirement gathering sessions through Interviews, Questionnaires, Interface Analysis, Document Analysis, Brainstorming, and Focus Group Discussions.
- - Prioritize requirements using MOSCOW and Business Value techniques to optimize project deliverables.
- - Deliver high-quality documentation including BRD, FRD, SRS, Use Cases, Process Flows, Change Requests.
- - Communicate complex client business requirements effectively by developing clear and concise data and process models.
- - Develop wireframes and mock-ups to visually represent system features and enhance stakeholder understanding.
- - Verify and validate requirements through structured reviews and workshops with clients to ensure alignment with business objectives.
- - Conduct functional testing and facilitate user acceptance testing (UAT), contributing to on-time, on-budget, and successful application go-live.
- - Serve as the central liaison for all project activities, coordinating between clients, Delivery Managers, and cross-functional teams.
- Developed data visualizations and reports to support decision-making and strategic planning initiatives.
Operations Analyst
DBS Bank India Limited
01.2020 - 01.2022
- - Managed end-to-end operations including payment processing for digital payments such as UPI, IMPS, and E-Tax, ensuring timely and accurate settlements.
- - Conducted thorough reconciliation and settlement of financial transactions, reducing discrepancies significantly.
- - Handled refunds and chargebacks efficiently, improving customer satisfaction and minimizing financial losses.
- - Ensured strict adherence to regulatory and audit compliance requirements, supporting successful audits with zero non-compliance issues.
- - Implemented process improvements that enhanced transaction processing speed and accuracy.
- - Monitored real-time transactions to detect and resolve exceptions promptly, mitigating operational risks.
- - Coordinated cross-functionally with finance, compliance, and IT teams to streamline operations and improve control mechanisms.
Portfolio Manager
DBS Bank India Limited
01.2017 - 01.2019
- - Build revenue by expanding portfolio size through targeted business development strategies.
- - Deliver customized banking solutions aligned with client business needs to drive growth and retention.
- - Provide tailored forex solutions to meet corporate clients' foreign exchange requirements.
- - Manage Corporate SME clients to enhance banking relationship and client satisfaction.
- - Perform comprehensive KYC and Trade KYC verifications for corporate and institutional customers.
- - Utilize DOL (Deal Online) platform for seamless and efficient FX conversion transactions.
Education
MBA/PGDM -
Ajeenkya DY Patil University
Pune01-2018
B.Com - Commerce
Don Bosco College
Pune01-2016
Skills
- Requirement Elicitation/Gathering
- Agile Methodology
- Business Analysis
- Data analysis
- Stakeholder Management
- Requirement documentation
- Gap Analysis
- Process Improvement
- Stakeholder Management
- Risk Management
- Functional requirements
- UML Diagrams
- Payment operations
- Finacle Core Banking
Software Worked on
- Finacle
- IWF
- IServe
- JIRA
- Confluence
- MS Visio
- Microsoft Office (Excel, Power Point,Visio)
Domain Experience
- Core Banking
- Institutional Banking
- Basic concepts of Accounting
- Credit Card Life Cycle
- UPI & IMPS Digital Payments Reconciliation & Settlement.
Certification
Mutual Funds
Personal Details
- Address: Flat no 418, E1A,29 Gold Coast Society Tingre Nagar Pune 411015.
- Contact8007222716/9604386340
- Email ID: cynthia.acharya@gmail.com
- DOB: 08 December 1994
- Languages-English,Hindi,Marathi, Tamil.
Timeline
Business Analyst
DBS Bank India Limited
01.2022 - Current
Operations Analyst
DBS Bank India Limited
01.2020 - 01.2022
Portfolio Manager
DBS Bank India Limited
01.2017 - 01.2019
MBA/PGDM -
Ajeenkya DY Patil University
B.Com - Commerce
Don Bosco College