Purna Chandra Sethi.
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File No. PO‑2026‑LEND‑08 Status: Available — 1 month notice
Product Owner · Senior Business Analyst

Turning loan books into shipped, audit‑ready product.

Banking & lending platforms across origination, credit risk, and servicing — 8+ years across Cognizant, Virtusa, TVS Credit, and IIFL Samasta.

I own backlog priorities and release outcomes for corporate and NBFC lending platforms inside global banking programs — the prioritization calls, trade-off decisions, and go/no-go readiness that get features into production, not just documentation.

Hyderabad, Telangana, India
8+ years, Banking & Financial Services
Product Owner, Cognizant (Jan 2026 — Present)
Product Owner / Sr. Product Owner — India or US-remote
Portrait of Purna Chandra Sethi
CBAP®
PSPO™‑I
Verified
Attachment A Photo ID

The loan lifecycle I've owned end to end

Five stages, five sets of stakeholders — from first application to a stable, compliant platform.

01

Origination

Loan origination & digital lending modules — requirements, BRDs and user stories for LOS platforms.

02

Credit risk evaluation

Credit scoring, RWA and collateral management requirements for corporate and EMEA credit platforms.

03

Approval & underwriting

Acceptance criteria, sprint planning and cross-functional trade-offs between risk, compliance and delivery.

04

Servicing & migration

LOS/LMS cloud migration — 75+ applications moved with business cases and cost-benefit analysis.

05

Closure & stabilization

UAT strategy, defect triage and production release readiness across integrated banking systems.

§ 01

Objective

A product-oriented Product Owner and Senior Business Analyst specializing in Retail Banking, Wholesale Banking, Lending, Credit Risk, and Digital Transformation — backlog management, requirements elicitation, business process mapping, stakeholder management, Agile delivery, API integrations, and regulatory compliance, delivering customer-centric solutions across enterprise banking platforms.

§ 02

Experience

01

Product Owner | Senior Business Analyst

Cognizant
  • Lead end-to-end business analysis for wholesale banking and lending transformation, defining functional requirements and scalable digital solutions aligned with SDLC and enterprise architecture.
  • Define API integration requirements, data mapping, and system interfaces for seamless data exchange and operational efficiency.
  • Own production incident analysis, impact analysis, and risk management to protect SLA compliance and service continuity.
  • Lead SIT/UAT test planning — scenarios, acceptance criteria, and performance measures — and drive data modeling and reconciliation for regulatory and credit risk standards.
Jan 2026 — PresentHyderabad, India
02

Product Owner | Senior Business Analyst

Virtusa Consulting
  • Led business analysis for EMEA credit platforms — loan origination, collateral management, and enterprise architecture alignment.
  • Ran feasibility studies and gap analysis translating business problems into functional requirements and BRDs.
  • Gathered and prioritized requirements for credit scoring and loan automation; built AS-IS/TO-BE process maps in Visio.
  • Managed stakeholder engagement across corporate banking and risk teams, negotiating scope trade-offs tied to RWA and credit risk models.
Mar 2025 — Jan 2026Hyderabad, India
03

Business Analyst (Deputy Manager)

TVS Credit Services Ltd
  • Spearheaded cloud migration of LOS/LMS platforms — business cases and cost-benefit analysis for 75+ business-critical applications.
  • Drafted BRDs/FSDs and user stories for digital lending modules and AML/KYC compliance.
  • Coordinated with IT, QA, and infrastructure teams on performance measures and defect lifecycle management.
Oct 2022 — Mar 2025Chennai, India
04

Business Analyst (Senior Executive)

IIFL Samasta Finance Ltd
  • Created BRDs/FRDs and use cases for mobile banking apps and core banking systems.
  • Delivered system enhancements and compliance automation, with dashboards to drive continuous improvement.
  • Worked across Agile, Scrum, and Waterfall, using JIRA and Confluence for backlog refinement and sprint planning.
May 2018 — Sep 2022Bengaluru, India
§ 03

Core competencies

Product & delivery

  • Backlog management
  • Sprint & release planning
  • Agile Scrum ceremonies
  • UAT & defect management
  • Stakeholder management

Banking & lending domain

  • Loan origination (LOS)
  • Loan management (LMS)
  • Credit risk & collateral
  • AML / KYC / FATCA / GDPR
  • Regulatory compliance

Analysis & tools

  • BRD / FRD authoring
  • Process mapping & gap analysis
  • API integration & data modeling
  • SQL & data analysis
  • JIRA, Confluence, Azure DevOps
§ 04

Certifications

CBAP®
Certified Business
Analysis Professional
IIBA
PSPO™ I
Professional Scrum
Product Owner I
Scrum.org
PMP®
Project Management
Professional
The Knowledge Academy
ASM
Agile Scrum Master
Certification
The Knowledge Academy
BA‑AI
Business Analyst
AI Certification
The Knowledge Academy
§ 05

Education & recognition

Education

Bachelor of Engineering
Biju Patnaik University of Technology, Odisha · 2017 · GPA 8.0

Award

Best Performer Award — Cloud Migration Project
TVS Credit Services Ltd — recognized for leading the migration of 75+ business-critical applications from on-premise to cloud, with minimal downtime and enhanced scalability.