Experienced Product Owner & Business Analyst with over 8.5 years of expertise in the Banking and Payments domain, specializing in cross-border payments, European payment systems, clearing & settlement, and digital payment solutions. Adept at leading end-to-end product development, ensuring compliance, and delivering scalable, secure financial products for global and domestic markets. - Deep knowledge of cross-border and domestic payment flows, including SWIFT MT/MX, SWIFT gpi, ISO 20022, and real-time gross settlement systems like TARGET2, TIPS, CHAPS, RTGS, NEFT, and FPS. - Hands-on experience with SEPA Credit Transfers (SCT), SEPA Instant (SCT Inst), SEPA Direct Debit (SDD), EBA Clearing systems (RT1, STEP2), and EBICS protocols for secure communication. - Expertise in clearing and settlement mechanisms, fund positioning, FX handling, liquidity management, chargeback handling, and financial reconciliation. - Proficient in API development, payment orchestration, fraud detection systems, and open banking integrations (PSD2). - Technically fluent in SQL, Power BI, Tableau, and leveraging AI/ML tools including ChatGPT for automation, insights, and advanced analytics. KEY DOMAINS Banking & Payments • Digital Banking • Core Banking Systems • Cross-Border Payments • Real-Time Payments • AML & Compliance • Financial Messaging (SWIFT MT/MX, ISO 20022) • Card Payments (Visa, Mastercard, RuPay, Amex) SKILLS Core Competencies: Product Visioning • Roadmap Planning • Backlog Management • Feature Grooming • Sprint Planning • Go-to-Market Strategy • Stakeholder Engagement • Acceptance Criteria • UAT • BAU & Change Requests • Regulatory Compliance • Data-Driven Product Development Business Analysis: Requirements Gathering • Use Case Modeling • Functional/Non-functional Specification • User Story Mapping • Process Mapping • Epic/Feature/Story Hierarchy • Journey Mapping • Gap Analysis • Compliance Documentation • BRD • FRD • Stakeholder Matrix / RACI Agile Methodologies: Scrum • SAFe • Kanban • Agile Ceremonies • Sprint Velocity Tracking Technical Expertise: RESTful API Design • SQL • Tableau • Power BI • AI Tools (ChatGPT, NLP APIs) • Data Science APIs • Financial Workflows • API Integration Tools & Platforms: JIRA • Confluence • Azure DevOps • Trello • Appian • Pega • Salesforce • Postman • Swagger • MuleSoft • Selenium • JUnit • TestRail • Lucidchart • Visio • Figma • Balsamiq • Sketch