Implementation of Risk-based pricing using a Pricing Engine for ING Personal Loans across Website / Mobile app in an Agile/Scrum environment• Conducted Market Study and completed Business Case for Personal loans pricing change including new pricing strategies.• Led the project from Inception till Release including product design, defining product roadmap and shaping technology solution.• Clearly articulated scope of the project in Product Backlog to all stakeholders and defined MVP in terms of scope and delivery.• Led Customer Testing initiative and reviewed customer feedback to incorporate into product design.• Led 2 squads of 20+ resources across technology and architecture for product build ensuring quality and time-boxed delivery.• Led all vendor conversations with 3 different vendors including Equifax & Sandstone to finalized SOWs, APIs’ design and engagement throughout the project.• Worked closely with all business units including but not limited to Risk, Legal, Compliance, Marketing, Pricing Committee, Technology, Fraud and Finance to ensure compliance and business readiness for project to go live.• Worked with Marketing on new Campaigns and with Digital on Web Analytics (Omniture tags) for product launch. Key Achievements: • My project planning during Inception, Product Backlog management, MVP delivery plan and ongoing squads’ management ensured project delivery within 7 months. This has been recognized by senior Leadership and often referred to as a model for other projects in ING.

1. Digital – Customer Loans Portal development – Product Manager• Met more than 100 institutional customers to collect feedback to build the product roadmap.• Have managed portal development from pilot phase to multiple releases of both MVP as well as major releases.• Led all vendor conversations and guided project delivery team through the build and test phase as a business owner.• Driven initiatives with Marketing and Innovation teams (Customer Lending journey) to support the growth and customer uptake of the portal.• Worked closely with Advisory group, project sponsors and relevant business units such as Risk, Compliance, AML and LegalKey Achievements: • Navigated through multiple challenges and roadblocks to build the portal from nascent stage where its usefulness was constantly questioned into a product now being widely used by institutional customers. • My journey and experience for the build and management of portal was covered in a Westpac wide internal newsletter article. 2. Digital Onboarding Forms & Process – Product Owner• Product Owner for loans portal Onboarding process and Digital forms.• Designed the Digital forms as well as the Onboarding process with Service and fulfillment teams to significantly reduce onboarding time and ensure optimum onboarding experience for customers for the loans portal, thus improving portal uptake.Key Achievements: • Led and achieved a target to onboard 100 customers on loans portal in a given financial year. This was covered in a Westpac wide internal newsletter article, and also recognized at our bi-annual awards function.3. Customer Lending Journey • Led several initiatives with Customer Lending Journey team including Service Designers, UI/UX Designers, Lean Practitioners to help drive the future outlook of Westpac group wide digital roadmap ex. Electronic signatures project, Customer Heuristics Review for customer facing digital products, Institutional Banking Digital Target Operating Model.

1. Data-driven Digital Marketing - To serve Retail Banking product offers/campaigns to HSBC customers across multiple Digital channels (including Internet Banking and Mobile Application based on Data Analytics and Real-time Decisioning)• Conduct multiple workshops for requirements gathering with business, product owners and project SMEs.• Collaborate with Product Owners, Marketing and Digital teams to design Omni-Channel Digital Strategy to serve various product offers for customers across Internet banking website and Mobile banking application.• Write Business Cases, Epics and User stories, As is To be Process Maps, Use Cases, Dashboard and Reports designs.• Work closely with Business Heads of Digital, CRM, Regional Branches to ensure project initiatives align with overall digital strategy of HSBC. • Lead daily SCRUM meetings and facilitate the team in removing impediments.Key Achievements: • Being the only BA on the project, I supplemented the PM’s role and led various project activities from initiation till delivery.• As an additional activity over the project deliverables, I identified the gaps in business processes and collaborated with key stakeholders to define the roadmap for the business Target Operating Model.2. CHESS Client Payment Automation for ASX• Conversion of SWIFT messages to CHESS proprietary format for inward and outward messages.• Write operational requirements for automating the manual steps in the existing operations process.

• Design various Digital Payment platforms with complete integration from touch point systems till bank-end systems.• Requirement Elicitation through conducting workshops and regular client meetings.• Manage entire SDLC from client engagement till code development, UAT, deployment and end user trainings.• Management of BA team as well as external vendors like RSA and Actimize for work estimates and delivery.• Write Business Cases, Business Requirement Documents (BRD/FRD), Statement of Work (SOW), User stories, Use cases, Wireframes, High/Low Level Design documents, screen/report designs, test cases and training tutorials.• Groom and solution User stories with various technology teams and external vendors like Pindrop, Firefly, and Tibco.• Implement changes in various Digital banking processes and payment systems in terms of As-Is To-Be process mapping, system logic, channel integration, transaction flows, data mapping, database changes, intuitive UI, dashboard and reports.

• Requirements Elicitation followed by requirements analysis to translate business requirements into functional specifications, with a prospect for suggestions/enhancements. • Make Business Requirement Documents - BRD/FRD, User stories, Use cases, High/Low Level Design documents, test cases and User Interface wireframes.• Gauge the defects/gaps in the development cycle periodically, and take them to closure.• Provide on-site trainings to product users.