Transforming Lending Operations Through Requirements Engineering & Agile Delivery

Selected case studies showcasing measurable impact across LMS modernization, digital onboarding, workflow automation, and process optimization in India's banking and NBFC sector.

Bank • 2017-2020

LMS Unification & TAT Optimization

Business Context

The bank operated a fragmented loan management system with separate platforms for application, credit decisioning, and disbursement. This caused operational delays (7-12 days TAT), reconciliation issues, and required manual intervention in 70% of cases.

My Role

  • Led requirements gathering across 6 departments.
  • Designed unified To-Be workflow with single source of truth architecture.
  • Documented detailed BRD, FRD, and 50+ user stories with acceptance criteria.
  • Built SQL validation scripts for data migration and integrity checks.
  • Coordinated UAT across operations, credit, and IT teams with 300+ test scenarios.

Measurable Impact

TAT Reduction 32%

12 days → 8 days average

Automation Coverage 40% Increase

30% to 70% straight-through processing

₹450 Cr
Monthly Book
15%
System Stability
Requirements Eng Process Redesign SQL Validation Vendor Coordination
Aditya Birla Finance • 2022-2023

Centralized Digital Onboarding

Business Context

High acquisition TAT (8-12 days) due to manual docs across 120+ branches and scattered KYC. Low digital adoption (30%) compared to competitors required immediate transformation.

My Role

  • Requirements gathering from sales, operations, credit, and compliance teams.
  • Designed centralized digital onboarding workflow with clear decision points.
  • Created wireframes for customer-facing web portal and mobile app (15 screens).
  • Documented validation rules for auto-approval vs manual review triggers.
  • Coordinated with Digilocker, e-NACH, and Video-PD vendor integrations.

Measurable Impact

Acquisition TAT 35% Faster

10 days → 6.5 days average

Digital Adoption 50% Increase

30% to 80% of applications

₹120 Cr
Incremental Book
-18%
Support Tickets
Digital Transformation Wireframing Vendor Mgmt Customer Journey Design
IDFC First Bank • 2018-2019

Perfios Income Automation

Business Context

Manual income assessment for salaried and self-employed customers created bottlenecks: 2-3 hours per case, high error rates (10-15%), and limited scalability (200 apps/day).

My Role

  • Mapped comprehensive As-Is income assessment process.
  • Documented 40+ business rules for income calculation logic.
  • Coordinated with Perfios for API integration and data mapping.
  • Built test scenarios covering 25 different income patterns.
  • Led UAT with 100 real-world bank statements.

Measurable Impact

Assessment Time 60% Reduction

3 hours → 1 hour per case

500+
Apps Per Day
80%
Automation Rate
15%
Accuracy Improvement
API Integration Data Mapping Business Rules Functional Testing
Axis Finance • 2020-2021

Mobile NACH & Geo-Tagging

Business Context

Manual field verification and NACH forms were slow (5-day TAT), costly (₹500-800 per case), and prone to fraud. Needed a digital field solution for compliance and efficiency.

My Role

  • Defined comprehensive requirements for mobile NACH registration module.
  • Created workflow design for geo-tagged field verification with photo capture.
  • Documented process controls and audit trail requirements for compliance.
  • Coordinated rollout training for 150 field executives across regions.
  • Monitored adoption metrics and gathered feedback for iterations.

Measurable Impact

Verification TAT 25% Faster

5 days → 3.75 days average

Address Accuracy 100%

Zero fraud in geo-tagged cases

₹300
Savings Per Case
40%
Digital Expansion
Mobile Product Compliance Process Optimization Field Training
Visual Artifacts

Workflow & Wireframe Samples

Visual artifacts I've created to improve requirement clarity, accelerate engineering delivery, and ensure stakeholder alignment.

LMS Unified Workflow

Swim lane diagram showing before/after process optimization

View Sample

Digital Onboarding Wireframes

Mobile app screens with annotations (low-fidelity)

View Wireframe

Perfios Integration Data Flow

API architecture diagram with data contracts

View Diagram

NACH Registration Mockup

Mobile UI screens showing user journey

View Mockup

Credit Decision Tree

Rule-based approval workflow with business logic

View Logic

UAT Coverage Matrix

Test scenario mapping template with traceability

View Matrix

Documentation & Artifacts

Case Study Pack

PDF format, 12 pages with detailed visuals

Download

Sample BRD Template

Sanitized template with best practice structure

Download

Sample User Stories

Agile format with acceptance criteria examples

Download

Sample Process Maps

As-Is vs To-Be workflow examples with swim lanes

Download

Want to See How I Can Help
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