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Principal Consultant

Nikhil
Ravi

Principal Consultant with 18+ years driving enterprise-scale business analysis, CRM transformation, and digital modernization across Corporate Banking, Retail, and Insurance verticals in India, Malaysia & the USA.

Mumbai, India
nr.nikhilravi@gmail.com
+91 8793319482
linkedin.com/in/ravinikhil
Requirements Engineering BFSI Domain CRM Transformation Process Modelling Stakeholder Management Digital Banking UAT Governance AI / ML
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Career Impact at a Glance

Measurable outcomes across enterprise engagements

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Years of BA &
Consulting Experience
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Enterprise Projects
Delivered
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Stakeholders
Managed
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Requirements
Documented
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Countries
Worked In

Professional Summary

Principal Consultant & Senior Project Manager with 18 years of experience driving enterprise-scale business analysis, CRM transformation, and BFSI digital modernization. Proven expertise in end-to-end requirements elicitation and governance — from discovery workshops and stakeholder analysis to BRD/FRD authoring, process modelling, and UAT oversight — across large, integration-heavy CRM implementations (CRMNEXT). Adept at facilitating cross-functional workshops, defining target operating models, and bridging business–technology gaps for Corporate Onboarding, KYC, and Relationship Management programs. Recognized for aligning C-suite stakeholders, delivering measurable business outcomes, and leveraging AI-enabled transformation to drive growth, efficiency, and sustainable value creation.

Key Engagements

Malaysia's 4th Largest Bank
Hyper SaaS Cloud CRM Migration
Challenge
Legacy CRM platform constraining digital growth and operational agility across retail & corporate banking.
BA Approach
Defined comprehensive SOWs, conducted stakeholder analysis, and designed governance frameworks in partnership with EY consulting teams.
100% alignment with enterprise digital growth objectives
ICICI Bank
Corporate Banking KYC & Lead Management
Challenge
Complex corporate onboarding workflows causing delays across Corporate Lending & Working Capital segments.
BA Approach
Mapped end-to-end client journeys, elicited requirements through structured workshops, and governed KYC onboarding design.
Streamlined onboarding across lending verticals
Ujjivan Small Finance Bank
Personal Loan Lifecycle Transformation
Challenge
Manual, inefficient loan disbursement process limiting scalability and customer experience.
BA Approach
Led business process re-engineering, documented functional specifications, and directed digital modernization within budget.
100% scalability · 50% efficiency gain
Nippon India Mutual Fund
CRM Strategy & Revenue Growth
Challenge
Revenue plateauing due to fragmented CRM strategy and underutilised account expansion opportunities.
BA Approach
Orchestrated end-to-end CRM strategy alignment, facilitated requirement workshops, and drove strategic account expansion planning.
20% year-on-year revenue increase
AU Bank
Corporate Credit CRM Transformation
Challenge
High-volume credit processing bottlenecks and elevated operational risk in Corporate Credit Operations.
BA Approach
Conducted gap analysis, re-engineered credit processing workflows, and authored requirements for advanced security protocols and data encryption integration.
Optimised credit cycles · Reduced operational risk

Experience

BusinessNext 2015 – Present
Principal Consultant
Mumbai, India & Kuala Lumpur, Malaysia
  • Leading end-to-end business analysis and digital transformation for Malaysia's fourth-largest bank, eliciting requirements from C-suite stakeholders and defining comprehensive SOWs to migrate legacy CRM to a Hyper SaaS cloud model.
  • Facilitating cross-functional workshops with executive stakeholders and EY consulting teams to author governance frameworks, conduct stakeholder analysis, and drive change management for seamless cloud adoption.
  • Mapped omni-channel customer journeys across Retail & Corporate Banking, documenting BRDs and process flows that achieved 100% alignment with enterprise digital growth objectives.
Senior Lead Consultant
Mumbai, India
  • Elicited and documented functional requirements for the personal loan lifecycle at Ujjivan Small Finance Bank, re-engineering core processes to achieve 100% scalability and a 50% efficiency gain within budget and timeline.
  • Conducted requirements validation and gap analysis for Mongolia-based international banking onboarding, ensuring 100% compliance with international banking standards through rigorous quality validation stages.
Lead Consultant
Mumbai, India
  • Orchestrated end-to-end CRM requirements alignment at Nippon India Mutual Fund, facilitating workshops that drove a 20% year-on-year revenue increase through strategic account expansion and process optimisation.
  • Authored BRD/FRD for Corporate Credit Operations CRM at AU Bank, conducting gap analysis and process re-engineering to optimise high-volume credit processing cycles.
  • Designed integration requirements for advanced security protocols and data encryption, collaborating with technology teams to mitigate operational risk and enhance system integrity.
  • Governed Corporate Banking lead management & KYC onboarding requirements at ICICI Bank — mapping end-to-end client journeys and authoring functional specifications across Corporate Lending and Working Capital segments.
Tata Consultancy Services 2006 – 2013
IT Consultant / Business Analyst
Mumbai, India & Richmond, Virginia, USA
  • Elicited and documented business requirements for centralized reporting as part of an enterprise-wide Technology Enabled Business Transformation (TEBT), streamlining operations for a major domestic insurance client.
  • Managed delivery of high-stakes projects with an annual budget of $1M, coordinating a multi-disciplinary team of 25 associates with 100% project profitability during high-pressure delivery cycles.
  • Authored functional specifications for new insurance product launches and agent commission process enhancements at Genworth Financial (USA), conducting requirements workshops that improved operational efficiency and agent engagement.

BA Methodology

Discovery
Stakeholder interviews, domain analysis, problem framing
Elicitation
Workshops, JAD sessions, surveys, document analysis
Analysis
Gap analysis, process modelling, data flow mapping
Documentation
BRD, FRD, FSD, RTM, user stories
Validation
UAT governance, traceability, sign-off
Delivery
Go-live support, KT, hypercare

Core Competencies

BA Artifacts & Techniques
  • BRD, FRD, FSD Authoring
  • User Journeys & Process Mapping
  • Requirement Traceability Matrix (RTM)
  • Gap Analysis & Requirement Elicitation
  • Stakeholder Analysis & RACI
Domain Expertise
  • Retail & Corporate Banking
  • Corporate Lending & Credit Lifecycle
  • Onboarding & Account Opening
  • CRM Transformation (CRMNEXT)
  • Mutual Funds & Insurance
Frameworks & Strategies
  • Business Process Re-engineering (BPR)
  • Target Operating Model Design
  • Discovery Phase & Presales Solutioning
  • Change Management
  • Governance Framework Design
Methodologies & Tools
  • Agile, Scrum, Waterfall, SDLC
  • JIRA · Figma · MS SQL · PostgreSQL
  • Jenkins · Red Hat OpenShift
  • AI Tools: Gemini, Claude, Perplexity
  • LangChain · LlamaIndex · RAG Systems