KARTHIKEYAN S
Chennai
Summary
Business Analyst with close to 9+ years of experience across banking, financial services, and telecommunications, specializing in payments modernization, digital transformation, and process re-engineering. Hands-on experience with payment workflow discovery, ISO 20022 message mapping, requirement gathering for payment processing modules, and regulatory-aligned solution design (PSD2). Skilled in Agile delivery, use case and user story authoring, BPMN process mapping, and stakeholder management across cross-functional and international teams.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Senior Business Analyst
Capgemini Technology Services
09.2025 - 09.2026
- Retail Banking Platform Transformation project a legacy banking platform into a scalable, cloud-based application (React JS, Java, Microsoft Azure), as part of a large-scale modernization program.
- Payments Workflow Discovery: Analyzed existing payment journeys — fund transfers, direct debits, bill payments — within the legacy system to identify operational inefficiencies and friction points.
- Requirement Gathering: Captured end-to-end requirements for payment processing modules including transaction validation, payment initiation, real-time processing, and reconciliation.
- Regulatory Compliance: Ensured alignment with PSD2 and internal compliance requirements during redesign of customer authentication and payment workflows.
- API & Integration Design: Partnered with architects and developers to define API contracts for external payment gateways and internal transaction engines.
- User Stories & Process Mapping: Authored detailed user stories and BPMN flow diagrams for key payments use cases, including failed payment handling and exception reporting.
- Agile Delivery: Participated in backlog grooming, sprint planning, and UAT, supporting on-time delivery of core payments functionality.
Associate Manager
HCL Tech
03.2022 - 09.2025
- Enterprise Payments Modernization & ISO 20022 Transformation project- Supporting functional analysis and requirement gathering for the migration of a legacy high-value payment system to a centralized, vendor-packaged payments engine.
- ISO 20022 Data Mapping: Contributing to field-to-field message mapping matrices, translating legacy source files into target ISO 20022 XML payloads (pacs.008 customer transfers, pacs.009 bank-to-bank transfers, camt.053 statement reporting).
- Business Rules & Routing Logic: Supporting documentation of conditional routing rules based on transaction value thresholds, clearing windows, and target payment rails (CHAPS, Faster Payments).
- Workflow & Exception Handling: Assisting in mapping functional workflows across the payment processing lifecycle, including structural validations, AML/sanctions screening triggers, and exception return handling.
- UAT Support: Involved in formulating business test scenarios and reviewing system output logs and sample XML payloads during UAT to trace data integrity.
Business Analyst
Capgemini Pvt Limited
02.2021 - 03.2022
- Project: Synchrony
- Validated the existing manual credit line flow and developed requirements to integrate this feature into the chat bot, impacting over 8,000 customers
- Collaborated with a cross-functional team of 15 members to identify and address 5 high-risk elements, paving the way for a successful solution
- Drafted Minimum Criteria for Success to evaluate outcomes and formulated a Minimum Viable Product strategy, validating with over 500 users and collecting real-time data that informed key decisions
- Focused on reducing Average Handling Time (AHT) by 80%, while calculating opportunity costs to ensure benefits outweighed expenses
- Launched Version 1.0 after a successful MVP, implementing a Go-Live plan that achieved 100% stakeholder engagement from 8 departments
- Assembled Core: G-Suite, Jira, Slack, Balsamiq, Figma, Canva
- Visio, Adobe Analytics, Google Analytics and collaborated with 10 engineers, 5 designers, and product owners/managers to ensure successful implementation
- Achieved a 24% increase in customer engagement, resulting in an additional 15,000 interactions per month by implementing same-day case resolution, leading to total savings of $6 million
Senior Business Analyst
Iopex Technologies
12.2019 - 12.2020
- I conducted product-level roadmap review with E2E, Engineering, Design, and business teams to refine the product roadmaps, demonstrating ROI and refreshing OKRs to track business value delivery impact
- Platform, resulting in a 20% increase in transaction speed and a 15% reduction in payment processing errors through automated offer additions based on predefined rules, significantly enhancing the customer experience
- Streamlined communications, reducing product time-to-market by 15%
- Executed the launch of a product line, leading to a 30% increase in customer engagement
- Collaborated with the development team, resulting in a 20% improvement in product efficiency
- Improved customer retention by 15% through the implementation of customer surveys and feedback procedures
Business Analyst
Citibank NA
01.2017 - 12.2019
- I began my career as a Business Analyst specializing in North America Retail Operations.
- Analyzed customer onboarding, loan processing, and account operations data to identify bottlenecks and recommend process improvements, resulting in faster turnaround times and improved customer satisfaction.
- Collaborated with product, compliance, and technology teams to translate retail banking requirements—such as KYC, CASA, lending, and digital banking workflows—into functional specifications, ensuring successful delivery of process automation and system enhancements.
Education
B.E - Electrical and Electronics Engineering
Sairam Engineering College
Chennai04-2016
Skills
- Payments Domain: ISO 20022 (pacs008, pacs009, camt053), PSD2 Compliance, UK Payment Rails (CHAPS, Faster Payments), Straight-Through Processing (STP), Transaction Validation & Reconciliation, AML/Sanctions Screening Workflows
- Tools & Technical: JIRA, Confluence, SQL, Power BI, MS Visio, Microsoft Azure, Python (foundations)
- Business Analysis: Use Case & User Story Authoring, BPMN Process Mapping, Wireframing (Figma), Root Cause & Impact Analysis, UAT
- Methodology & Delivery: Agile/Scrum, SAFe, Robotic Process Automation (UiPath, BluePrism), Six Sigma
Certification
- SAFe5.1 POPM
Timeline
Senior Business Analyst
Capgemini Technology Services
09.2025 - 09.2026
Associate Manager
HCL Tech
03.2022 - 09.2025
Business Analyst
Capgemini Pvt Limited
02.2021 - 03.2022
Senior Business Analyst
Iopex Technologies
12.2019 - 12.2020
Business Analyst
Citibank NA
01.2017 - 12.2019
B.E - Electrical and Electronics Engineering
Sairam Engineering College