Aatoor S Desai

As Lead Business Analyst for Visa Tokenisation (Apple Pay, Google Pay, Samsung, Garmin, Swatch, Fitbit), I manage new demand into the Lab, assess readiness for ideation, and ensure clarity of value and outcomes.

· Oversee intake and evaluation of new requests

· Ensure clear articulation of initiative value

· Collaborate with Product Owners to break down Epics

· Prioritise Level 2 Product Backlog with key stakeholders

· Manage BA resource allocation for priority work

· Track analysis delivery and support escalations

· Ensure quality of analysis and artefacts

· Led Visa Tokenisation Program to enhance payment security by issuing tokens against customer PANs; involved in project scoping, requirements elicitation, stakeholder management, and coordination with Visa Scheme and technical teams.

· Oversaw live proving for successful program delivery and supported additional tokenisation projects across the bank.

· Drove Cheque Image Processing Program, migrating legacy paper clearing systems to image-based applications through user stories, process flows, and cross-functional requirements walkthroughs.

· Served as Scrum Master for two teams, facilitating sprint planning, daily stand-ups, retrospectives, and client demos.

· Developed digital customer journeys for merchant onboarding and defined pilot and launch scopes for various use cases, including eWallets and Internet Banking.

· Managed requirements gathering workshops, backlog prioritisation, and third-party vendor solution design.

· Acted as lead data analyst for IFRS9 reporting, overseeing data gap analysis, mapping, model building, and consolidation of data requirements and dictionaries.

· Participated in functional design to ensure accurate sourcing of required data.

• Coordinated with the client (leading bank in South Africa) to help in formalizing requirements and do the gap analysis of existing business processes.
• Evaluating Online Internet Banking application to perform banking transactions such as Customer onboarding, Fund transfer, Bill payment, etc. for client.

• FTP (Finance Transformation Platform) is a multi-component integrated system that provides financial control with common data repository for regulatory, management and other financial reporting.
• Responsible for analysing and documenting the Business Requirements, business rules, Requirements Analysis, Preparing Functional Specifications, Use Cases.
• Requirements Elicitation through Use Cases, one to one meetings, Questionnaires, Document Analysis.
• Captured As-Is Process, designed To-Be Process and performed Gap Analysis.
• Identified subject-matter experts on Financial Accounting and Financial Reporting on the project.
• Responsible for Management Information reporting.
• Co-coordinated with the QA Team members to explain and develop the Test Plans, Test cases, Test and Evaluation strategy for unit testing and Functional testing.

Company Overview: Algorithms Software Private Ltd develops in-house and provides ERP solution (Xpedeon) to leading Construction companies in India, UK, U.A.E., Oman, Qatar.

• Analysis of Various Processes of the Client for Re-engineering.
• Analysis and Mapping of the legacy system to Xpedeon.
• GAP Analysis of the client's processes and functions, Planning for the development of the functions not supported by Xpedeon.
• Reconciliation of the data ported, validation of the data after the parallel run of the legacy system and Xpedeon.
• Implementation of modules like Accounts, Procurement, Inventory, Costing, and Assets etc.
• Configuration of the Reports as per the requirement of the client.
• Training Core Team Members and the End Users, documenting Process Manuals.
• Planning of the Handover Strategy post implementation.
• Algorithms Software Private Ltd develops in-house and provides ERP solution (Xpedeon) to leading Construction companies in India, UK, U.A.E., Oman, Qatar.