Rohit Saini
Summary
Perceptive Senior Business Analyst with a comprehensive experience of 7 years, specializing in Commercial, Retail loan origination, legal entity onboarding, legal entity KYC. Keen to drive successful business processes for financial institutions globally. Dedicated to maximizing key performance metrics to enhance and expand business operations. Proficient in proposing effective solutions aligned with modern technology to meet client requirements and boost company advancements.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Business Analyst
Newgen Software Technologies Limited
07.2023 - Current
- Conducted end-to-end business analysis for corporate, MSME, and retail lending products, including Working Capital Loans, Term Loans, Auto Loans, Personal Loans, and Mortgage Loans.
- Created comprehensive Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), and Use Cases, ensuring alignment with business objectives and technical requirements.
- Mapped and analyzed as-is and to-be processes for loan origination systems, identifying gaps and recommending solutions to streamline workflows and improve operational efficiency.
- Supported the implementation and User Acceptance Testing (UAT) of lending products by acting as an SME (Subject Matter Expert) from the functional perspective, ensuring adherence to requirements and regulatory compliance.
- Collaborated with cross-functional teams during the Software Development Life Cycle (SDLC) to drive product development from initiation to disbursement.
- Delivered gap analysis, impact assessments, and requirement elicitation workshops, ensuring all stakeholder needs were accurately documented and implemented.
- Provided pre-RFP consultation, proof of concept (POC) demonstrations, and client workshops for regions in APAC, ANZ, Americas, and the Middle East, enhancing client engagement.
- Partnered with sales and pre-sales teams, delivering technical and functional product insights that resulted in a 31% YoY increase in subscription revenue.
- Utilized SQL for data validation and analysis, collaborating with developers to ensure data models aligned with business requirements
Business Analyst
South Indian Bank Limited
12.2020 - 07.2023
- Conducted end-to-end business analysis for retail and corporate loan products, ensuring alignment with regulatory compliance and business goals
- Developed comprehensive business requirement documents (BRDs) to support new loan product launches and system enhancements
- Performed as-is and to-be analysis for retail and corporate loan workflows, including Working Capital Loans, Term Loans, and other lending products, enhancing operational efficiency and reducing turnaround time (TAT).
- Designed and documented BRDs, FRDs, and functional specifications to support new loan products and system enhancements.
- Acted as an SME (Subject Matter Expert) during the implementation and UAT phases, ensuring that functional requirements were met and systems performed as expected.
- Collaborated with IT and business teams throughout the SDLC, driving development from requirements gathering through to disbursement.
- Integrated key APIs such as Aadhaar eKYC, PAN Verification, CKYC, and Bureau APIs to streamline onboarding processes and improve customer experience.
- Designed loan journeys with a focus on UI/UX, compliance, and operational efficiency, ensuring end-user satisfaction and regulatory adherence.
- Conducted gap analysis, impact assessments, and stakeholder engagement workshops to align solutions with business objectives.
- Provided training and support to business users post-implementation, enabling seamless adoption of new workflows and systems.
- Leveraged data analysis to monitor system performance, identifying inefficiencies and recommending improvements for scalability.
Credit Manager - Small and Medium Enterprises
South Indian Bank Limited
11.2017 - 12.2020
- Assessed and underwrote credit proposals for SME and large corporate clients, including Working Capital Loans, Term Loans, Cash Credit (CC), Overdraft (OD), Bill Discounting, Letter of Credit (LC), and Bank Guarantees (BG).
- Conducted detailed credit risk assessments, analyzing financial statements, industry trends, cash flows, working capital cycles, and repayment capacities to ensure sound decision-making.
- Reviewed client profiles through on-site visits, evaluating funding needs, operational models, and financial performance to structure tailored lending solutions.
- Prepared and presented Credit Appraisal Notes to the sanctioning authority/credit committee, providing a comprehensive evaluation of client creditworthiness and risk.
- Monitored and managed a portfolio of SME and corporate accounts, identifying early signs of stress and developing mitigation strategies to maintain portfolio quality.
- Ensured compliance with regulatory guidelines (e.g., RBI norms), internal credit policies, and legal requirements to minimize risks.
- Acted as a liaison between clients and internal teams, including legal, compliance, and operations, to facilitate seamless disbursement and post-sanction monitoring.
- Collaborated with the audit team to resolve findings, ensuring adherence to credit policies and maintaining a high standard of operational integrity.
- Conducted periodic portfolio reviews to evaluate performance, track repayment trends, and propose corrective actions for at-risk accounts.
Education
Post Graduate Diploma in Management - Data Analytics
Great Lakes Institute of Management
Gurugram07-2025
B.Tech - Mechanical and Automation Engineering
Maharaja Agrasen Institute of Technology
Delhi07-2015
Skills
- Office 365
- Digital lending
- Business process mapping
- Gap analysis
- Product management
- Requirements gathering
- Agile methodology
- User acceptance testing
- Stakeholder management
- Product development
Certification
- Certified Scrum Product Owner, Scrum Alliance
- International Trade Finance, IIBF
- Anti-Money Laundering & Know Your Customer, IIBF
- Demystifying Visualization using Tableau, Great Learning
- Specific Person for Corporate Agents conducted by Insurance Institute of India
Extra-Curricular Activities
- Awarded Volleyball champion at North zone/All India level for year 2015
- Awarded in the National Softball Championship for year 2021
- Awarded Outstanding achiever in third party products in North Zone in FY 2021.
- Awarded twice in the event JGM star club, organized by Kotak Life Insurance.
Hobbies and Interests
- Volleyball
- Travelling
Languages
English
Full Professional
Hindi
Native or Bilingual
Timeline
Senior Business Analyst
Newgen Software Technologies Limited
07.2023 - Current
Business Analyst
South Indian Bank Limited
12.2020 - 07.2023
Credit Manager - Small and Medium Enterprises
South Indian Bank Limited
11.2017 - 12.2020
- Certified Scrum Product Owner, Scrum Alliance
- International Trade Finance, IIBF
- Anti-Money Laundering & Know Your Customer, IIBF
- Demystifying Visualization using Tableau, Great Learning
- Specific Person for Corporate Agents conducted by Insurance Institute of India
Post Graduate Diploma in Management - Data Analytics
Great Lakes Institute of Management
B.Tech - Mechanical and Automation Engineering
Maharaja Agrasen Institute of Technology
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