Sachin Goswami

Email : [email protected]
Address : Porvoonkatu 3, Helsinki,00510
Phone : +358 41 7232083

Professional Summary

• Accomplished business analyst and project design with around 13 years of experience in
requirement gathering, scope definition, gap analysis, requirement break up, delivery planning,
software design, development and project management.

• Have worked as business analyst to provide consultancy to business on the best possible
solution for their business requirement, articulate their requirements and help prevent the
change from becoming a project, if necessary.

• Experienced for delivery of variety of lifecycle projects like upgrades, conversion, new
product and feature launches and regular BAU projects.

• Effectively involved in various types of projects involving credit and debit cards domain, core
cards processing, flagship projects.

• Driven delivery of multiple strategic programs and projects in parallel interacting with
different business finance, marketing, compliance and risk with quality within timelines and
allocated budget.

• Strong track record of delivering challenging flagship and large size projects with great
quality. Have significant hands on experience in providing end to end solution for the projects
that he has worked on in recent past.

• Good knowledge on business tools like JIRA, QC, etc. to create user stories for business
requirements and estimations for team.
Skills Profile

Banking and Finance

 Strong knowledge on credit cards issuing and authorizations.

Management and Leadership Skills

 Business analyst, solution analyst and project design for various types of projects
involving cards domain, core cards processing, and flagship projects.

 At client location involved in projects from requirement gathering, delivery planning,

interacting with product owner and UAT testers to implementation and post
implementation support.

 Strong track record of delivering challenging flagship and large size projects with great
quality. Have significant hands on experience in providing end to end solution for the
projects worked on in recent past.

Training & Development

 Significant experience in liaising with business and technology departments for
requirement gathering, impact analysis, gap analysis, requirement gathering,
questionnaire preparation, BRD preparation.

 For data mapping, tech and functional document preparation, test script preparation and
review, test results review, task planning, task assignment and delivery management.

 Collaborating with feature & system architect team to create solutions aligned with
underlying value chain.

Professional Experience (In Reverse Chronological Sequence)

Organization Name Capgemini Finland

Client Name Nordea Bank
Project Name Nordea FI Cards
Project Duration (From & To
Dec-2018 to Till Date
in Month/Year Format)
Role/Title Cards Development SME and support
Work Location Capgemini Pune
Development Support – Capgemini is now providing development
Project Description support for cards different projects in form of enhancements, new
requirements and problem fixes.
Responsibilities  Discussions with business for project requirements.
 Questionnaire preparation, analyzing key stake holders
required for this project like project managers, SME’s, sponsor
(stakeholder analysis plan).
  Creation of detailed requirement plan that outlines the
elicitation, requirements analysis, and validation/verification
efforts as well as clearly indicates who is responsible for what
within the context of the business analysis effort (business
analysis plan).
 User story preparations as per the functional Requirements
Specification (Detailed high level and low-level requirements)
 Contributing daily standup calls understanding any roadblocks
and queries from the construct team, maintaining a
requirement issue list.
 Contributing to project implementation plan and ensuring any
communication gap between stakeholders.
 Updating meeting agendas and meeting notes to capture
results of requirement discussions.

Organization Name Capgemini India Ltd.

Client Name HSBC Bank
Project Name HSBC Global Cards
Project Duration (From & To
Jan-2018 to Aug-2018
in Month/Year Format)
Role/Title Business Analyst
Work Location Capgemini Pune
Persistent Debt – Project is to comply with UK FCA guidelines for
credit card firms with regulations to treat customers whose debt
is persistent over 18, 27, 36 Months.

Credit Card Market Study (Borrowing Prompts) – Project is to

meet UK regulatory requirements to set a utilizations trigger and
communication to customer whenever the customer cross the
90% of the credit limit via spends so that customer can make
timely and informed decisions about card usage and avoid over
limit charges.

Credit Card Market Study (Unsolicited Credit Limit Increase) –

Project Description Project is to meet UK regulatory requirement to receive customer
consent before applying any automatic credit limit increase on
credit card.

HSBC UBER Global Proposition

40 MM global HSBC UBER Proposition project implemented across
different countries (Malaysia, Middle East, Singapore, Europe,
Canada, Latin America) .

HSBC Cards Service Pack (CSP) – CSP is global repository of global

code of cards issuing and authorizations which is applicable for all
countries across the globe.

Responsibilities  Discussions with business for project requirements.

  Questionnaire preparation, analyzing key stake holders
required for this project like project managers, SME’s, sponsor
(stakeholder analysis plan).
 Creation of detailed requirement plan that outlines the
elicitation, requirements analysis, and validation/verification
efforts as well as clearly indicates who is responsible for what
within the context of the business analysis effort (business
analysis plan)
 Creation of BRD stating
 Current State of the system.
 Scope of the project for various teams
 Desired state and value of the project
 User story preparations as per the functional Requirements
Specification (Detailed high level and low-level requirements)
 Creation of project plan (which includes system requirement,
region, LPAR’s, impacts, billing clarity ids and different
milestones).
 Walkthrough of Test Strategy, Test Plans, Test Cases, or User
Acceptance Test Plans.
 Contributing daily standup calls understanding any roadblocks
and queries from the construct team, maintaining a
requirement issue list.
 Contributing to project implementation plan and ensuring any
communication gap between stakeholders.
 Updating meeting agendas and meeting notes to capture
results of requirement discussions.

Organization Name Infosys India Ltd.

Client Name First Data
Project Name First Data Corp – Cards Issuing and Authorizations
Project Duration (From & To
June-2015 to Mar-2016
in Month/Year Format)
Role/Title Team Lead
Work Location Infosys Pune
VisionPLUS Base Heats – This team analyze and rectify the issues
of base product of VisionPLUS, the issues could be raised by the
client banks across the globe or the internal QA testing teams.
As a part of this team is required to be responsible to discuss the
issues with the clients and fix the issues as per the functionalities
delivered to the client banks.

Project Atomic Services introduces development of new services

Project Description on Vision PLUS platform which will serve common routines to
display backend details on both mainframe screens as well as java
screens. This will be cost effective as a common code will be
utilized.

Project China Union Pay Cards launched a new scheme UCI. The
introduction of UCI enhances more networks and Credit Cards to
be supported across the world like VISA, MC, and AMEX.
  Team Lead, his primary role entailed working with team and
manage day to day activities, which includes the understanding
of the new heats (incidents) reported by client or local testing
teams, discussion with the client CSR or local testing teams
about the issues observed in the VisionPLUS product,
estimation of delivery of heats to local testing team for SIT,
preparing unit testing strategy and approach for end to end
testing.
 Point of contact for Heat resolution activity.
 Analysis of the issues reported on base functionalities of
VisionPLUS.
 Checking the feasibility of the changes required on the issues
reported.
Responsibilities
 Preparing the estimation, high level design, code changes, test
plans for the fix for issues reported for each of the activities
based on effort and timelines.
 Worked closely with testing teams and business stakeholders
to prepare test strategy considering the criticality and timeline
of incidents.
 Review test scenarios and test cases to help test team to come
up with right scenarios, identifying and set-up test data for
execution by refreshing database and setting up fresh data for
execution.
 Stakeholder management and Progress reporting including
highlighting probable risks and providing mitigation to
overcome the problems.

Organization Name HSBC Latin America – Change The Bank

Client Name HSBC Bank
Project Name Multiple projects over various releases
Project Duration (From & To
Oct-2011 to May-2014
in Month/Year Format)
Role/Title Project Lead, SME
Work Location HSBC Pune
Project Description Disputes Interfaces SCQ – SCQ system is the third party which
finally resolves the disputes favoring to the company or customer.
For effective resolution SCQ system require fields directly from
Authorization and Clearing Files. Project designed to develop
online connectivity between the systems at backend and frontend
at SCQ system.

PIN Mailer Upgrade – The project involves parameterization to

send PIN files to different vendors. Business direction needs to
have control on the provider to which the Pin Mailer files has to
be sent having a contingency process in case any provider is
having issues either due in transmission. With the above upgrade
business requires to send Pin Mailer details in form of PIN BLOCK.

Cobranza Garantizada - Payroll processing (also called

Guaranteed Collection) is as similar to Direct Debit processing for
 those customers whom have the credit card and also have the
payroll deposit the bank need to start holding the balance
whenever the salary is being paid into the savings account
number and then as part of a batch process confirm that holding
by sending the payment application to be posted on OHCARDS.

Direct Debit Functionality - Direct Debit processing is the option

for the bank to automatically withdraw the payment from the
cardholders saving account when the particular payment date is
reached. As a part of different phases for this functionality direct
debit base functionality is enhanced with the customizations to
process both HSBC accounts as well other bank accounts.
Apart from above enhancement, automatic payment functionality
was improved to include number of reattempts done for
automatic payment till next billing cycle, increase range of
payment types, checks if a payment was applied previously to the
payment due date and sending alerts to the customers once the
payment has been applied.
 Worked on different phases of this project.
 Played a key role in suggesting the benefits of implementing
this project.
 Designed and delivered the functional and technical
specifications of the project.
Responsibilities  Took walkthrough of design and functional with different
teams for changes involved in the project.
 Delivered Coding, Unit Testing, UTR’s, Project SIT, UAT and
Deployment Strategy.
 Responsible for implementing project to production
environment and fixing production incidents if required.
Operating Systems ZOS Mainframes
Hardware ZOS Mainframes
Software / Special Tools VisionPLUS CMS, FAS, TRAMS, LTS
Languages Cobol, JCL, CICS, VSAM, REXX , TWS, CA7, Endeavor, CMN

Organization Name HSBC North America – Change The Bank

Client Name HSBC Bank
Credit Retail Services (CRS) – One HSBC Upgrade - HSBC
Project Name
Project Duration (From & To
Aug-2009 to Sep-2011
in Month/Year Format)
Role/Title Senior Developer, Functionalities SME
Work Location HSBC Pune
Maintenance processes associated with the switched, private line,
nodal, dedicated, Private line, data (IP), high speed data (ATM,
Project Description Frame Relay, International Packet), International private line
services. BMP will provide a single service database in support of
some provisioning and all maintenance work center activities.
Responsibilities  Worked on different phases of this project.
 Worked as a Developer in a team of CMS to prepare Technical
Solution Document.
  Development of the required code changes.
 Preparing FTRs and UTRs for Testing Plans of the code changes.
 Worked with the Cap Gemini - GLT combined team in Batch
support, starting from the Shakedown batches to SIT
implementation.
 Worked as a part of defect team for during UAT and Dress
Rehearsals.
 Performed different conversion tasks while
implementing/migrating the project from Legacy to OH
platform.
 Worked as a part of Post Production Incidents and is
responsible for delivering the analysis, solution, testing and
baseline the fix.
Operating Systems ZOS Mainframes
Hardware ZOS Mainframes
Software / Special Tools VisionPLUS CMS, FAS, TRAMS, LTS
Languages Cobol, JCL, CICS, VSAM, REXX , TWS, CA7, Endeavor, CMN

Organization Name Satyam Computers Services Ltd.

Client Name GE Money
Project Name Production and Application Support GE Money Switzerland
Project Duration (From & To
Jan-2008 to July-2009
in Month/Year Format)
Role/Title Software Developer
Work Location Satyam Hyderabad
GE Money is a leading provider of Retail and Credit cards in
Switzerland has implemented cards using VISION PLUS, in GEP1
Project Description LPAR. Satyam Computer Services Limited has been chosen to
provide the Production and Application Support on all VISION
PLUS applications.
 Production Batch Monitoring on 24x7 bases, providing quick
temporary resolutions for abnormal ends and thereafter doing
the root analysis proving the permanent solution for the same.
Responsibilities  Application issue resolution and managing new
implementations in form of Compliance.
 Supporting the SIT batches and UAT batches prior to
compliance.
Operating Systems ZOS Mainframes
Hardware ZOS Mainframes
Software / Special Tools VisionPLUS CMS, FAS, TRAMS, LTS
Languages Cobol, JCL, CICS, VSAM, REXX , TWS, CA7, Endeavor, CMN

Training and Seminars

Credit Cards Overview
HSBC Base-1 and Base-2 Trainings
Core Cards Issue and Reissue Processes
CMS Posting Training
Certifications
HSBC Base-1 and Base-2 CMS

Education
Educational Record (In Reverse Chorological Order Starting Highest Degree)
Course of Study Specialization Name of University Address of Year of
University Completion
Bachelor of Electronics and Uttar Pradesh UPTU Lucknow 2007
Technology Communication Technical University
SSC PCM ISCE ISCE, UP 2002
HSC Science ICSE ICSE, UP 2000

Professional Organizations
Prior Work Experience Details
Dates of Employment
From To
Organization’s Name Designation Location (City & State)
(DD-MON- (DD-MON-
YYYY) YYYY)
Business Analyst 9-Dec-2018 Till Now Helsinki, Finland
Capgemini Finland Ltd
Business Analyst 07-April-2016 Till Now Pune, Maharashtra
Capgemini India Ltd
Project Lead 30-June-2014 06-April-2016 Pune, Maharashtra
Infosys India Ltd
Team Lead 03-Aug-2009 24-June-2014 Pune, Maharashtra

HSBC GLT India

Software 07-Jan-2008 03-July-2009 Hyderabad, AP
Satyam Computers Engineer
Private Ltd, India

Publications/Presentations
None