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Ramm Balasubramanyam

Candidate ID: 2404489

Career Summary

Doctorate with 15 years experience in Banking / Financial Services functional area

Skill Set

Financial services, Digital platform, Agile processes, Develop / maintain products, cutting edge mobile banking services, IT infrastructure, Cloud services

Professional Information

Total Experience : 15

Nationality : United Kingdom

Qualification Level : Doctorate

Job Function : Banking / Financial Services

Work Location Preference : Kuwait, Bahrain, Oman, Saudi Arabia, Qatar, UAE

Detailed Profile

Presently working in UK, willing to move

+44 7825 372 138

Professional Summary

Detail-orientated product owner, adept at making critical decisions, managing deadlines and conducting team reviews. With expertise in analysis and quantitative problem-solving skills, dedicated to company growth and improvements.

Digital Product Owner, Kinetic onboarding and Customer services 01/2022 - Current HSBC Kinetic, HSBC PLC

Kinetic is an award winning fully digital bank on an app, with Digital onboarding a customer (KYC, Fraud, CDD checks with STP rates within 15 minutes). It is one of the only kind, catering to SME customers (<£2 million) within UK region.
• Delivered key features, such as, Threatmetrix with fraud Hunter integration for Kinetic Onboarding system in March 2023.
• Developed a an agile process to react to key system and production issues within my domain (Onboarding and Customer servicing) and addressed several production issues successfully using the method developed.
• Responsible for the Digital onboarding and Customer servicing backlog from Jan 2022 in working
• with several key stake holders and interlocks for requirements and funding evaluations.
• Delivered features such as, Digital statements for Savings, Small business loan, Reveal PIN
function for Credit and Debit card
• Owned and delivered several key enhancements to the Kinetic digital Onboarding systems, such
as, A) preventing, identifying existing issues and remediation of (Kinetic Onboarding) case data records, B) Customer ability to reuse usernames and reapply when instructed by case manager for referral applications, C) Order a debit card for newly onboarded customers.
• As part of convergence of digital business banking with Kinetic, digitised the process of customer wanting to change their business, trading or correspondence address, business or trading name.

Senior Scaled Agile Business Analyst, Open banking 01/2020 - 12/2021 HSBC Kinetic Waterloo, London, UK

• Owned and delivered on time and within budget (by Sep 15/2021) Effective customer warning for payment services using Kinetic mobile app (both iOS and Android devices) and the web channel. I have owned the project delivery, from requirements to delivery of the fraud warning system. I have organised detailed requirement workshops, requirement sign-off with risk-stewards, fraud management and fraud operation teams, detailed design discussions with technical teams to provide the right steer and ensure that business requirements are delivered to the letter and spirit within time and budget.
• Owned and delivered Android version of Kinetic open banking system for payments and cards. I have organised detailed requirement workshops with cards teams, and ensure that technical designs are elaborated and stories are written in JIRA following Agile methodologies.
• Delivered several regulatory features in working with HSBC OBSS, DBB and WPB with very complex open banking interactions on each of those features, such as, international payments, CASS, overdraft limit, payment status, Card based payment instrument Issuer journey enhancements, Biometric authentication.
• Elaborated Credit card fulfilment within 3 months of joining into HSBC between Jan-April 2020. This included complex mapping of business rules with several IT systems related to Credit Card transactions.

Agile Senior Specialist - Technical Business Analyst 01/2018 - 01/2020 Newday Ltd London

• Responsible for Near- prime and Cardless Digital (Near Prime) product technical delivery and business analysis from requirements gathering, showcase and release sign-off in an Agile delivery model.
• Owned and delivered the internal launch of Cardless credit for Newday products in near prime space, gathering business requirement, analysing feasibility, developing a scope for delivery, cost and timelines, including Story writing, Workshops, Show and Tells for functionalities, such as, Wallet load, Mastercard (MDES)/Google Pay (API) Tokenization, Real time boarding functionality.
Agile Technical Business Analyst 01/2016 - 01/2018 GVC Group PLC
• Responsible for requirements gathering, user story (JIRA), technical delivery, showcasing and sign- off to release management in an Agile project delivery environment within Digital gaming solutions
• 6+ years of recent web application, RESTful API specification development from customer requirements
• At GVC Group PLC, worked across multiple product owners across varied base platforms, Desktop (using C#) and Mobile (using Java 7/8) in an Agile - Scrum project environment
• Designed and developed digital solutions for Driver behavior and analytics system
• 4+ years of solid experience in analysing large data sets from MySQL, Cassandra and Dynamo DB
for driver behavior patterns with vehicle telematics industry
• Attention to detail in planning technical delivery from customer requirements and achieving the
same with complete focus under high pressure
• 2+ years of recent AWS server system administration experience and able to manage production
Core Qualifications
• Project methodology: Agile, Scrum, V- model, Waterfall
• Complex problem solving skills
• Critical Thinking
• Business process mapping
• Business systems management
• Ability to manage the product lifecycle - from
an idea to production and support
• Agile development methods
• Business communications expertise
• Business operations management
• Agile expertise
• Engagement activity coordination
• Relationship management
• Excellent communication skills
PhD: University of Greenwich - Adaptive Signal Processing for Wireless Communication 2007
London, ENG, UK
Best PhD Award, Advisor: Prof. Predrag B. Rapajic, University of Greenwich,
PhD: University of New South Wales, - Signal Processing 2005 Sydney/London, Australia
Pre-Qualifier, (rated: Good by yearly review panel) Advisor: Predrag B. Rapajic
Masters of Telecommunication and Computer Engineering: University of Wollongong 1998 Australia
Bachelor of Electrical Engineering: University of Mysore 1995 India

References: Available on request