Requirements That Held Up in Production - Selected Work From 11+ Years in Digital Lending

Requirements That Held Up in Production

Selected Work From 11+ Years in Digital Lending

Real platforms, real volumes, real outcomes.

LMS Unification - Three Systems Became One

LMS Unification

Three Systems Became One

A fragmented lending stack, redesigned end-to-end.

Digital Onboarding at Scale - From Paper Files to a 3–4 Day Journey

Digital Onboarding at Scale

From Paper Files to a 3–4 Day Journey

Centralized onboarding across 120+ branches.

Automating Income Assessment - From Manual Review to Straight-Through Processing

Automating Income Assessment

From Manual Review to Straight-Through Processing

Bank statement analysis, automated and auditable.

Field Operations, Digitized - Mobile NACH & Geo-Verification

Field Operations, Digitized

Mobile NACH & Geo-Verification

Removing paper and fraud risk from field visits.

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Portfolio

Requirements Engineering With Measurable Business Outcomes

A selection of programs where I led requirements, process redesign, and delivery coordination across loan origination, onboarding, income assessment, and field operations - each with outcomes tracked after go-live, not just projected before it.

01

Loan Management System Unification

Retail Lending Division Senior Manager, Business Analyst

The Problem

The lending operation ran on three disconnected systems - one for application intake, one for credit decisioning, and one for disbursement and post-sanction activity. Handoffs between the three created reconciliation issues, inconsistent data, and an average processing cycle of 7–12 days, with roughly 70% of cases needing manual intervention at some stage.

What I Did

  • I ran requirement discovery across six departments - operations, credit, IT, sales, finance, and compliance
  • I mapped the current-state process and identified over twenty operational bottlenecks
  • I designed a unified target workflow built around a single source of truth
  • I authored a comprehensive BRD/FRD along with 150+ user stories and acceptance criteria
  • I built SQL scripts to validate data integrity during migration
  • I coordinated UAT across operations, credit, and IT with 300+ test scenarios
  • I managed integration requirements with Perfios, CIBIL, and the credit decisioning engine

Business Impact

32% reduction in average loan processing TAT
Straight-through processing increased from roughly 30% to 70%
Fewer manual escalations and improved system stability
Zero critical defects reported in production following the release

Skills Demonstrated

Requirements Engineering Process Redesign Stakeholder Management SQL Validation UAT Planning Vendor Coordination
02

Centralized Digital Onboarding

Manager, Sales & Product

The Problem

Customer acquisition depended on manual document collection across 120+ branches, with KYC verification scattered across multiple disconnected touchpoints and no standardized validation logic. Average onboarding TAT sat at 8–12 days, well behind competitors offering 2–3 day turnarounds.

What I Did

  • I gathered requirements from sales, operations, credit, and compliance
  • I designed a centralized onboarding workflow with clearly defined decision points
  • I created wireframes for the customer-facing portal and mobile experience
  • I documented rules distinguishing auto-approval cases from manual review triggers
  • I coordinated integrations with DigiLocker, e-NACH, and Video-PD vendors
  • I planned a phased rollout, beginning with closed user group testing
  • I delivered branch-level training for the hybrid digital-physical onboarding model

Business Impact

35% reduction in customer onboarding TAT
Digital adoption rate roughly doubled across the applicant base
Reduction in customer support tickets tied to onboarding friction
No compliance issues flagged in the subsequent internal audit

Skills Demonstrated

Digital Transformation Customer Journey Design Wireframing Vendor Management Closed User Group Testing Training & Adoption
03

Automated Income Assessment (Perfios Integration)

Senior Manager, Business Analyst

The Problem

Income assessment for salaried and self-employed applicants was entirely manual - credit teams spent two to three hours per case reviewing bank statements, with a meaningful rework rate due to calculation inconsistencies. Self-employed cases requiring a twelve-month analysis took five to seven days, capping daily processing capacity well below what the business needed.

What I Did

  • I mapped the current manual assessment process in detail
  • I documented over 40 business rules covering salary credits, EMI obligations, bounced payments, and irregular income patterns
  • I coordinated with Perfios on API integration and field-level data mapping
  • I built test scenarios across 25 distinct income patterns
  • I led UAT using real bank statement data spanning salaried, self-employed, and irregular-income cases
  • I defined exception workflows for cases requiring manual review

Business Impact

60% reduction in manual income assessment time
Roughly 80% straight-through processing for standard salaried cases
Meaningful improvement in calculation accuracy
Daily processing capacity more than doubled

Skills Demonstrated

API Integration Data Mapping Business Rules Documentation Functional Testing Defect Management Process Automation
04

Mobile NACH & Geo-Tagged Field Verification

Manager, Sales & Product

The Problem

Field verification and NACH mandate registration relied on paper forms and unverified visit records, creating both a fraud exposure - unconfirmed address visits - and a slow, three-to-five-day registration cycle that limited how far the business could scale remote acquisition.

What I Did

  • I defined requirements for a mobile NACH registration module integrated with NPCI
  • I designed a geo-tagged verification workflow with photo capture and timestamping
  • I documented audit trail and anti-fraud controls to satisfy compliance requirements
  • I authored 35+ user stories covering the field executive journey and exception handling
  • I coordinated rollout training for 150+ field executives across regions
  • I tracked adoption metrics post-launch and iterated based on field feedback

Business Impact

25% reduction in field verification TAT
40% expansion in digital sourcing capability, enabling remote acquisition
Meaningful reduction in per-case operational cost from eliminating paper processes
Complete audit trail improved regulatory readiness

Skills Demonstrated

Mobile Product Requirements Workflow Design Compliance Controls Field Training Cost Optimization

Resources

Documentation & Artifacts

Available for download:

Case Study Pack

sanitized PDF with visual process breakdowns

Coming Soon

Sample BRD Template

structured, ready-to-adapt format

Coming Soon

Sample User Story Set

Agile format with acceptance criteria

Coming Soon

Sample Process Maps

As-Is vs. To-Be workflow examples

Coming Soon

Downloads to be linked once source files are finalized for public sharing.

Curious How This Would Apply to Your Environment?

Every lending organization has its own version of these problems - happy to walk through what a similar approach might look like for yours.

Schedule a Call