Recommended expert

Pranjal Narayan

Consultant – Business Process & Supply Chain Advisory

Pranjal Narayan
Frankfurt, Germany

Experience

Apr 2025 - Present
10 months
Aschaffenburg, Germany

Consultant – Business Process & Supply Chain Advisory

Restaurant Namaste Aschaffenburg

  • Designing and optimizing the end-to-end supply chain for a newly established restaurant, covering fresh produce, dry goods, beverages, and kitchen essentials
  • Setting up ordering cycles, ensuring food-safety compliant logistics, and aligning delivery schedules with kitchen operations to maintain product quality and reduce waste
  • Building procurement frameworks and vendor relationships with major importers and wholesalers in Germany; structuring agreements to secure competitive food pricing, negotiating minimum order quantities, and establishing reliable delivery commitments
  • Defining structured processes for supplier evaluation, contract negotiation, and delivery scheduling to reduce risks such as delayed deliveries, inconsistent product quality, or stock shortages; introducing clear evaluation criteria, establishing communication protocols with vendors, and setting escalation procedures for supply disruptions
Jun 2023 - Mar 2025
1 year 10 months
Frankfurt, Germany

Senior Business Analyst (Anti-Financial Crime)

Deutsche Bank

  • Analyzing the Transaction Screening application from a Model Risk Management perspective
  • Elaborating on existing Transaction Screening functionality, methodology, and governance; developing a Model Development Framework Document
  • Maintaining Confluence pages and SharePoint folders to manage supporting documents referenced in the framework
  • Organizing and coordinating the resolution of new findings with stakeholders including central Model Risk Management, AFC business, operations, testing, and IT teams
  • Creating finding closure reports for the Model Validator
  • Executing ongoing performance management tests (e.g., Below The Line testing, sensitivity analysis) using Python scripts; analyzing results and recommending modifications
  • Generating OPM test reports for senior management
Aug 2019 - May 2023
3 years 10 months
Frankfurt, Germany

Senior Business Analyst (Cash Settlement)

Clearstream Banking

  • Analyzed the impact of the ECB's TARGET2 consolidation initiative on Clearstream's application landscape and services
  • Developed key business requirements to facilitate uninterrupted cash settlement in central bank money through T2 services, utilizing ISO SWIFT 20022 XML messages
  • Monitored development and delivery progress to ensure compliance with established requirements
  • Trained the operations team on new T2 GUIs (e.g., for capturing pacs.009) and provided expert guidance
  • Ensured operations users received comprehensive testing coverage for daily tasks and contingency scenarios
  • Managed test execution with external stakeholders including business partners, customers, paying agents, and correspondent banks such as Deutsche Bundesbank, Banque centrale du Luxembourg, Deutsche Bank, and DEKA Bank
Oct 2018 - Jul 2019
10 months
Frankfurt am Main, Germany

Senior Business Analyst (Payments)

Deutsche Bank

  • Led the integration of global markets business lines with the Galileo Payment Engine for cash settlements, enhancing operational efficiency and accuracy
  • Managed settlements for OTC collateral, loans, and derivative clearing and settlement as a clearing member
  • Collaborated with cross-functional teams to design and implement solutions for standard settlement instruction capture and maintenance, payment controls, and instruction capture in ISO SWIFT Pain.001 V3 XML format
  • Developed and maintained comprehensive documentation for the integration process and facilitated knowledge transfer
  • Trained and supported the operations and user acceptance testing team on new cash settlement processes, fostering continuous improvement
Mar 2015 - Sep 2018
3 years 7 months
Frankfurt, Germany

Requirements Engineer, Feature Owner (Scrum Team) - Payments

Deutsche Bank

  • Liaised with middleware to convert legacy and front-end message formats (SWIFT ISO 15022, XLS, CSV) to SWIFT ISO 20022 Pain V3 for Galileo
  • Formalized requirements to support daily operations across Asia, Europe, and the US; ensured compliance with PSD2 and alignment to SWIFT gpi and ISO 20022 MX
  • Achieved stakeholder consensus to develop a globally viable payment processing engine
  • Formulated requirements documents and user stories for the Scrum development team
  • Supported and executed end-to-end test cases with payment operations across various geographies
Mar 2014 - Mar 2015
1 year 1 month
Sydney, Australia

Scrum Master, Business Analyst (Credit Card - Client On-Boarding)

Commonwealth Bank of Australia

  • Organized Scrum ceremonies including sprint planning, daily stand-ups, sprint reviews, and retrospectives
  • Collaborated with the product owner to define the sprint vision and refine the sprint backlog
  • Established the definition of done and prepared product increment and burndown charts
  • Presented product increments during sprint reviews, collected stakeholder feedback, and created new user stories
Nov 2009 - Dec 2013
4 years 2 months

Business Analyst - Payments Business Requirements Team

Deutsche Bank

  • Developed comprehensive requirements to support daily business operations globally and prepared business requirements documents
  • Identified functionality gaps between legacy payment applications and TCS BaNCS
  • Assisted in defining overall solution and future operational processes
  • Facilitated integration of TCS BaNCS product Db-Coral with the bank's cash operations landscape
  • Evaluated vendor solutions to ensure they met operational and business requirements
  • Achieved straight-through processing for domestic, cross-border, high-value, and cross-currency payments
  • Supported business users during user acceptance testing and assisted payments operations post-go-live
Sep 2008 - Oct 2009
1 year 2 months
Bengaluru, India

Test Analyst - Payments and Core Banking

Deutsche Bank

  • Facilitated functional discussions related to the Core Banking Solution (db-internet)
  • Led and managed the db-internet UAT team on-site
  • Designed test conditions and created test cases for domestic and cross-border payments, covering manual and electronic banking
  • Supported business users during user acceptance testing
  • Coordinated reviews, revisions, enhancements, testing, documentation, and notifications for product enhancements and opportunities
Jun 2007 - Aug 2008
1 year 3 months
Gurugram, India

Functional Tester

TAIB Bank

  • Created and executed test cases for functional modules such as real estate, money markets, and securities administration
  • Supported business users during user acceptance testing
  • Conducted quality management and application testing focusing on functional and performance aspects
  • Mentored team members, enhancing their knowledge in banking and financial services

Summary

I am a Senior Business Analyst with over 17+ years of experience delivering impactful solutions for global banks and fintech firms. I specialize in Payments Processing, Core Banking, regulatory compliance, and Anti-Financial Crime (AFC).

My background includes engagements with institutions such as Deutsche Bank, Clearstream Banking (Deutsche Boerse Group), and Commonwealth Bank of Australia. I bring strong functional knowledge across SWIFT messaging (ISO 20022/15022), TARGET2, sanctions screening, and cash management systems. I excel at requirements engineering—crafting clear, structured business requirements, process flows, and user stories that align cross-functional teams and drive results.

With hands-on experience using tools like Jama and Jira, I create Business Requirements Documents (BRDs), user stories, and traceability matrices to support agile delivery models. My work often spans complex environments that require collaboration between business, operations, testing, and IT stakeholders—ensuring solutions are not just designed well, but deployed effectively.

If you're in banking or fintech and looking for someone who understands the business inside out, speaks the language of delivery teams, and brings a deep understanding of transaction lifecycles and regulatory demands, let's connect.

Skills

Domain Expertise

  • Swift Messaging Standards (Iso 15022 Iso 20022)
  • International Fx Payment - Faster Payments, Sepa, Chaps
  • Swift Messaging (Mt)
  • Target2
  • Multi Currency Payments
  • Tcs Bancs Core Banking
  • Cross-border Payments
  • Cash Managment
  • Sanctions & Embargo - Transaction Screening

Computer Skills

  • Microsoft Office (Excel, Word, Powerpoint, Outlook, Teams, To Do, Sharepoint, Onedrive)
  • Google Suite (Doc, Slides, Form, Sheet, Drive)
  • Skype
  • Zoom
  • Requirements Management Software (Jama)
  • Management Tools (Jira, Confluence)

Languages

Hindi
Native
English
Advanced
German
Elementary

Education

Jun 2005 - Mar 2007

Institute of Management Technology

Master of Business Administration · Finance, Information Technology · India

Jul 2000 - Aug 2004

KLESCET, Visvesvaraya Technological University

Bachelor of Engineering · Engineering · India

Certifications & licenses

Professional Scrum Master I (PSM I)

Scrum.org

Amfi - Mutual Funds (Advisors) Module NSE Academy Certification In Financial Markets (NCFM)

Capital Markets Dealer's Module NSE Academy Certification In Financial Markets (NCFM)

Derivatives Core Module NSE Academy Certification In Financial Markets (NCFM)

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