DEVOJYOTI GHOSHAL

Experience

• 

  HDFC Bank

  Dec 2007 - Dec 2010

  Assistant Credit Manager
• 

  Intec Capital Limited

  Dec 2010 - Jul 2015

  Manager – Business Analyst

  • Worked on credit appraisal and underwriting through initial level appraisal and checking KYC forms and other statutory guidelines, as well as conducted data analysis related to credit card approval.• Handled the Retail Asset Securitization by preparing the portfolio, managing the due diligence audits for all products, risk assurance audits, and cash flows and POS calculations.

• 

  Freelance Consultant

  Jul 2015 - Aug 2015

  Commercial Lending Consultant
• 

  A S Software Solutions Ltd

  Aug 2015 - Feb 2016

  Business Analyst (Retail Asset - Lending)

  • Prepared reports and MIS in the system for reference and maintain data quality in the system.• Implemented LOS/LMS/GL for corporate SME lending business and successfully migrated a portfolio worth Rs. 500 crores from the legacy system.• Designed the existing database of the company using Tableau for creating MIS and dashboards.• Conducted requirement gathering, drafted BRD, and integrated with LOS system by using CRM.• Digitalized credit appraisal and disbursement process-based on scanned images by using DMS – Document Management System. Show less

• 

  Yethi Consulting

  Apr 2016 - Jul 2017

  Business Analyst (Retail Asset - Lending)

  • Reviewed Impact Analysis Document (IAD) and shared modifications.• Prepared test scenarios for segmented business workflows across unit testing by using SIT and UAT processes.• Maintained core bug fixing and synchronized with the core version to enhance the product quality.• Monitored data storage and flow to effectively check and rectify the health check procedures.• Worked on GL vs LMS recon procedures for monitoring the data flow and checked any module integration issue as a proactive method. Show less

• 

  ORIX Group

  Jul 2017 - Nov 2017

  Manager (Business Analyst)

  • Reviewed test cases and categorized the test scenarios in accordance to their risk and severity.• Drafted test run plans by defining the number of days/month/quarter/year-end processes to be executed.• Developed Understanding Document (UD) for enhancements and requirements, as well as drafted BRD for enhancements and change requests.

• 

  Sopra Banking Software

  Dec 2017 - now

  Lead Business Analyst

  • Accountable for system implementation process through requirement gathering, functional testing, and preparing BRD/FRD for user sign-off, as well as FSD for the internal development process.• Administering POC Support by reviewing user stories, preparing data, and testing the demo environment.• Managed the loan assessment of commercial vehicles through effective business analysis, requirement gathering, drafting FRD/BRD documents, functional testing, signing-off UAT, and upgrading LOS, LMS, and GL systems.• Prepared reports of commercial lending processes by getting data from the business users and reconciled and validated the data through an automated reconciliation process.• Effectively worked on Retail Asset lending: Personal Loan (PIL), Business Loan (BIL), Housing Loan (HL), and Loan Against Property (LAP).Leasing: Operational lease & Financial lease. • Defined accounting templates for lending & leasing business while maintaining principles of USGAAP & IFRS.• Finalized the LOS, LMS, CMS, and GL system requirements in collaboration with the development team.• Incorporated the business requirements related to the various interfaces, as well as reviewed and responded to all the requests and analyzed the fulfillment of the business requirement.• Studied and prepared the table structure for the BI team to facilitate the data warehousing and reporting process, as well as prepared test scenarios using LMS/LOS/CMS/GL systems. Show less