Resume

The paper trail.

Five years across lending, payments and merchant acquiring — underwriting files, then writing the rules that decide them.

Experience

• Business Analyst — Loan Applications · Axis Bank

  Apr 2026 — Present · Mumbai
  • Own requirements for the loan application journey — Legal, Technical and Post-disbursal workflows.
  • Translate bank policy into testable rules the technology team can build and QA can verify.
  • Work with credit, operations and product to reduce manual efforts without compromising on policy and regulations

• Associate Technologist — I · Kotak Mahindra Bank

  Dec 2022 — Mar 2026 · Mumbai
  • Co-designed an in-house Merchant Management System that improved onboarding, service TATs and settlement, and reduced external dependencies.
  • Managed UPI Switch integration with third-party providers and restructured the UPI payment flow to remove unnecessary hops.
  • Built a new merchant onboarding process and automated reporting tools for the merchant acquiring business.
  • Ran end-to-end UAT and QA for business applications, and trained operations and sales teams on every release.
  • Delivered RBI, NPCI and MasterCard mandates within regulatory timelines.

• Analyst · Health Prime International

  Jun 2022 — Dec 2022 · Mumbai
  • Managed US-based stakeholders across multiple projects, delivering on time and within budget.
  • Exceeded productivity goals by 20%; awarded Best Employee in October 2022.

• Junior Credit Underwriter · HDFC Sales

  Jan 2022 — Jun 2022 · Mumbai
  • Analysed financial documents on loan applications to make eligibility decisions.
  • Applied credit policy strictly to mitigate risk and keep the book compliant.

• Associate · Health Prime International

  Jan 2021 — Jan 2022 · Mumbai
  • Resolved medical claim denials to secure accurate, timely reimbursement.
  • Analysed denial data to find root causes, reducing repeat denials and speeding up processing.

Education

Skills