Sarika Turkar
Developer
Pune
Summary
Experienced Developer with 7 years of hands-on expertise in the American Express card acquisitions lifecycle, with a focus on Java development, business rule development, and system modernization. Deep understanding of the full acquisition journey from lead intake to decisioning and actively contributed to the successful migration from legacy platforms to the Unify system. Proficient in unit and integration testing using Selenium and TestNG, ensuring robust and reliable code delivery. Strong background in business analysis, product strategy, and sprint planning, with a proven ability to align technical implementations with strategic business objectives. Collaborative and agile-focused, known for delivering scalable, high-impact solutions in fast-paced, cross-functional environments.
Overview
7
7
years of professional experience
4032
4032
years of post-secondary education
3
3
Certifications
Work History
Developer
American Express
07.2022 - 04.2025
- I mainly focus on the card acquisition journey, managing the business rules development process from application capture to final decision-making (approval, decline, or cancellation). Successfully led the migration of three markets (Italy, Germany, and Spain), surpassing the expected cycle time outcome for automation rates from the current 33% to 50%.
- Designed and implemented new workflow-based (WB) routings and automated decision-making processes to streamline new card approvals. Engineered and configured complex core business logic leveraging Java classes, data models, activities, data transforms, decision rules, SLAs, and integrations/APIs.
- Played a key role in developing and enhancing workflow configurations to align with evolving business requirements. Integrated standardized routing logic across multiple markets, dynamically driven by external system (API) responses, resulting in improved decision accuracy and operational efficiency. These enhancements significantly contributed to reducing organizational losses by over $10 million annually.
- Configured new product codes, data quality checks (DQCs), and duplicate detection mechanisms to support efficient application processing. Developed and maintained business routing logic to handle application pends within CCP-enabled workflows, specifically for scenarios requiring AML, KYC, or KYB information. Enabled both manual and automated decisioning of applications and ensured timely customer communications in accordance with business requirements.
- Proactively identified and resolved defects in the codebase, ensuring high-quality software delivery. Collaborated with cross functional teams to troubleshoot and address issues promptly.
- Wrote comprehensive TestNG tests to validate the functionality and reliability of backend components. Ensured code quality through systematic testing.
- Worked closely with frontend developers, architects, and product owners to understand project requirements and deliver optimal solutions.
Support Engineer
American Express(TEKsystems)
10.2021 - 07.2022
- Supported multiple international market onboarding, postlaunch enhanced business processes for various markets.
- I was responsible for defining business rules for contact strategy, Logo PCT addition, application cancellation, and decline rules, as well as credit bureau call logic.
- Supporting System Integration Testing, User Acceptance Testing, and Regression Testing.
- Taking care of the implementation activities and production validation activities.
- Collaborate closely with cross-functional stakeholders such as Marketing, Risk, Compliance, Engineering, Design, QA, and Analytics teams to build software collaboratively.
- As part of business rules enablement team worked on various capabilities for different markets, journeys, products thus contributed to increase in NAAʼs.
- Involved in production support for providing root cause analysis/fixes on INC tickets and production releases.
Associate Consultant
American Express (Atos Syntel)
03.2018 - 09.2021
- Led the definition and implementation of business rules for key processes including contact strategy, application cancellation, decline criteria, and Logo PCT integration. Designed credit bureau call logic to support accurate decisioning and risk assessment. Additionally, managed new product setup and configurations using WinARES+, an internal Amex tool, ensuring seamless integration with the overall card acquisition platform.
- Worked with the various business teams to gather business requirements, designed a prototype of the system, and presented it to the business users and managers.
- Created As-Is and To-Be models for the application.
- Suggested measures and recommendations to improve the current application performance.
- Maintain and track SLA progress, and monitor production support functions after the production release.
- Conducted impact analysis for change requests and ensured thorough test coverage. Logged, tracked, and managed defects using JIRA, collaborating with dev teams for quick resolution.
Education
B. Engineering - Information Technology
Rashtrasant Tukadoji Maharaj Nagpur University
Polytechnic Diploma - Computer Engineering
Government Collage of Maharashtra State Board Of Technical Education
Skills
Languages: Java, HTML/CSS, SQL
Technologies/Frameworks: TestNG, Cucumber, Selenium, Jenkins, BDD, REST API
Build Tool: Maven
Developer Tools: Eclipse, IntelliJ IDEA, JIRA,POSTMAN, Slack, Rally
Version Control: GIT
Testing: Regression Testing, Integration Testing, Sanity Testing, Automation testing, API testing
Certification
Product Management Insights, Linked In Learning, 2025
Affiliations
Technology : Java, JSON, PostgreSQL, TestNG, WinARES+ (Legacy GNA)
Global onboarding orchestration Unify Rules / Global New Account (American Express) :-
This project at American Express is based on a credit application processing system that automates the end-to-end lifecycle of customer applications. The workflow includes application capture, followed by fraud checks, duplicate checks, and internal AMEX validations. Applications then proceed through bureau checks, income verification, and missing information handling.
If any required data is incomplete, the application is routed to the appropriate workbasket, and automated notifications are sent to customers. If the customer does not respond within the defined SLA period, the application is automatically cancelled or declined. For compliant applications, a global sanction screening is conducted. Final decisions approval, cancellation, or decline are driven by robust business rule logic to ensure compliance and operational efficiency.
Role : API Designing and Implementation, Unit Testing
Timeline
Developer
American Express
07.2022 - 04.2025
Support Engineer
American Express(TEKsystems)
10.2021 - 07.2022
Associate Consultant
American Express (Atos Syntel)
03.2018 - 09.2021
B. Engineering - Information Technology
Rashtrasant Tukadoji Maharaj Nagpur University
Polytechnic Diploma - Computer Engineering
Government Collage of Maharashtra State Board Of Technical Education
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