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Principal Consultant • Business Analyst • Project Manager

Nikhil
Ravi

Principal Consultant with 18+ years of cross-border experience leading enterprise-scale business analysis, CRM implementation, and BFSI digital transformation programs across India, Malaysia & the USA. Expert in stakeholder governance and AI-enabled transformation.

BFSI Digital Transformation CRM Implementation Stakeholder Governance Requirements Engineering Project Management BRD / FRD / FSD UAT Governance Agile-Scrum
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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

Results-driven Principal Consultant, Senior Business Analyst, and Project Manager with 18+ years of cross-border experience leading enterprise-scale business analysis, CRM implementation, and BFSI digital transformation programs across India, Malaysia, and the USA. Expert in end-to-end requirements engineering — from discovery workshops and stakeholder analysis to BRD/FRD/FSD authoring, process modelling, requirement traceability, and UAT governance — for large, integration-heavy CRMNEXT implementations. Proven in full project lifecycle management: defining SOWs, building stakeholder registers and RACI matrices, and delivering on scope, budget, and timeline using Agile-Scrum, Waterfall, and hybrid methodologies. Recognized for aligning C-suite stakeholders and leveraging AI-enabled transformation to drive growth, operational efficiency, and sustainable enterprise value.

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 established governance frameworks with stakeholder registers and RACI matrices for seamless cloud adoption.
100% alignment with enterprise digital growth objectives
Mongolia International Banking
Onboarding Transformation & Compliance
Challenge
International banking onboarding processes requiring rigorous compliance with global standards.
BA Approach
Embedded rigorous quality checks, validation stages, and UAT cycles across the onboarding lifecycle.
100% compliance with international banking standards
Ujjivan Small Finance Bank
Personal Loan Lifecycle Transformation
Challenge
Manual, inefficient loan disbursement process limiting scalability and customer experience.
BA Approach
Directed cross-functional business process re-engineering, deployed cloud-based workflows, and managed project delivery within budget and timeline.
100% disbursement 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 Small Finance 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
BusinessNext 2015 – Present
Principal Consultant | BFSI Practice
Mumbai, India & Kuala Lumpur, Malaysia · 2021 – Present
  • Leading end-to-end business analysis and digital modernization for Malaysia's 4th-largest bank; eliciting requirements from C-suite stakeholders, defining comprehensive SOWs, and transitioning legacy CRM platforms to a Hyper SaaS cloud model to enhance scalability and operational agility.
  • Partnering with executive sponsors and consulting teams to establish governance frameworks, stakeholder registers, and RACI matrices; facilitating steering-committee reviews, sprint ceremonies, and change-management initiatives that ensured seamless cloud adoption.
  • Redesigned customer journeys and sales–service workflows across Retail and Corporate Banking, authoring BRDs, process flows, and user stories that achieved 100% alignment with enterprise digital-growth objectives.
  • Defined project charters, work-breakdown structures, and delivery roadmaps; tracked dependencies, risks, and budgets using JIRA, MS Project, and Confluence to keep multi-workstream programs on scope, schedule, and budget.
Senior Lead Consultant | Banking Solutions
Mumbai, India · 2019 – 2021
  • Directed a cross-functional digital transformation of the personal-loan lifecycle at Ujjivan Small Finance Bank, re-engineering core processes and deploying a cloud-based workflow that delivered 100% disbursement scalability and 50% efficiency gain — within budget and timeline.
  • Acted as primary project lead for Mongolia International Banking onboarding transformation; embedded rigorous quality checks, validation stages, and UAT cycles to ensure 100% compliance with international banking standards.
  • Bridged business and technology teams through structured workshops, requirement elicitation sessions, and gap analysis — translating complex banking processes into actionable functional specifications.
Lead Consultant | CRM & Digital Programs
Mumbai, India · 2015 – 2019
  • Orchestrated end-to-end CRM strategy alignment at Nippon India Mutual Fund; managed resource allocation, budgeting, and risk mitigation — driving a consistent 20% YoY revenue increase through strategic account expansion and high-performing team execution.
  • Spearheaded a high-stakes transformation of Corporate Credit Operations at AU Small Finance Bank; authored BRDs, conducted gap analysis, and architected integration of advanced security protocols and data-encryption standards, significantly mitigating operational risk.
  • Designed and governed Corporate Banking lead-management and KYC onboarding processes at ICICI Bank; mapped end-to-end client journeys and authored functional specifications across Corporate Lending and Working Capital segments.
Tata Consultancy Services 2006 – 2013
IT Consultant / Business Analyst | Insurance Practice
Mumbai, India & Richmond, Virginia, USA · 2006 – 2013
  • Led design of a centralized reporting process under an enterprise-wide Technology-Enabled Business Transformation (TEBT) for a major domestic insurance client, streamlining operations across multiple lines of business.
  • Orchestrated high-stakes project delivery with an annual budget of $1M and a multi-disciplinary team of 25 associates, ensuring 100% project profitability and quality adherence under aggressive delivery pressure.
  • Provided design and development support for new insurance product launches and agent-commission enhancements at Genworth Financial (USA), improving operational efficiency and agent engagement.
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
Business Analysis
  • BRD, FRD & FSD Authoring
  • Requirements Elicitation & RTM
  • Gap Analysis & UAT Governance
Project Management
  • Full SDLC & Lifecycle Governance
  • SOW, RACI & Stakeholder Register
  • Risk, Scope & Change Management
Domain Expertise
  • Retail & Corporate Banking
  • Onboarding, KYC & Account Opening
  • Mutual Funds & Insurance
Tools & Frameworks
  • MS Project · JIRA · SQL
  • Agile-Scrum · Waterfall · Hybrid
  • AI Tools (Claude, Gemini, GPT)