Piyush Bhardwaj

*Certified Business Analyst with 13+ years’ experience in Banking Domain across Retail Banking, Digital Banking & Payments, Lending and Mortgage, KYC & AML, Investment Banking and Capital Market.
*Proven expertise in Agile and Waterfall methodologies, User Stories, BRD, FRD, SRS, Gap Analysis, UML, UAT Support, client onboarding, stakeholder management, requirements elicitation, data analytics, process mapping and solution delivery for Banking and Payment Products and Services.
*Strong collaboration with product, technology, operations and compliance teams to deliver scalable, secure and compliant payment solutions.
*Skilled in converting complex business needs into functional specifications, user stories and UAT scenarios.
🔑 Core Competencies
✅ Business Analysis & Documentation: Expertise in User Stories, BRD, FRD, FRS, SRS, Use Cases and Traceability Matrix to ensure clear and actionable requirements.
✅ Banking & Financial Services Expertise: Lending & Mortgage, Retail Banking, Corporate Banking, Core Banking Systems, Digital & Mobile Banking, Financial Analysis, Risk & Fraud Analytics, KYC & AML.
✅ Payments & Cards Domain: SWIFT, RTGS, NEFT, Credit/Debit Cards, Payment Gateways, Wallets & POS Systems. ✅ Data Analytics & Visualization: Proficient in Power BI, Tableau, MySQL and Excel for data-driven insights and strategic decision-making.
✅ Product Management: Product Strategy, End-to-End Product Lifecycle Management, Road mapping, Sprint Planning, Problem-solving & Execution skills
✅ Agile & Change Delivery: Hands-on experience in Agile/Scrum frameworks, change management, and stakeholder engagement to ensure project success. 🛠 Tools & Technologies: Jira, Confluence, Balsamiq, MS Visio, Power BI, Tableau, SQL, MS Office Suite
🌍 What I Deliver:
✔Partner with senior stakeholders to define strategic business product roadmaps
✔Work for banking digital transformation initiatives, acting as a bridge between bank stakeholders and IT delivery teams.
✔Drive digital transformation in payments with a focus on compliance, customer experience and scalability
✔Act as a trusted advisor & single point of contact across cross-functional teams to ensure timely, budget-compliant delivery
✔Recognized for analytical problem-solving, leadership and stakeholder management. I thrive at the intersection of business strategy and technology execution — helping financial institutions innovate, transform, and grow.