Pranjal N. - Consultant – Business Process & Supply Chain Advisory

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Frankfurt am Main, Germany

Experience

Apr 2025 - Present

7 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. This includes 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. Structured agreements to secure competitive food pricing, negotiated minimum order quantities, and established reliable delivery commitments to access authentic international ingredients while keeping costs under control.
Defining structured processes for supplier evaluation, contract negotiation, and delivery scheduling to reduce risks such as delayed deliveries, inconsistent product quality, or sudden stock shortages. Introduced clear evaluation criteria (pricing, quality, reliability), established communication protocols with vendors, and set 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 (MoRM) perspective.
Elaborating on the existing Transaction Screening functionality, methodology, and governance, and developing a Model Development Framework Document.
Maintaining the Confluence page and SharePoint folders to manage supporting documents referenced in the Model Development Framework.
Organizing and coordinating the resolution of new findings with various stakeholders, including the central Model Risk Management team, AFC - Transaction Screening Business, Operations, Testing, and IT teams.
Creating 'Finding Closure Reports' for the MoRM Model Validator.
Executing Ongoing Performance Management tests (e.g., Below The Line testing, Sensitivity Analysis) using Python scripts, analyzing the results, and recommending modifications as necessary.
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 the development and delivery progress by respective teams to ensure compliance with established requirements.
Trained the operations team on new T2 GUIs (e.g., for capturing pacs.009) and provided expert guidance as necessary.
Ensured that operations users received comprehensive testing coverage for their 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

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 in transaction settlement and reconciliation across OTC collateral management, loans, and derivative clearing and settlement.
Collaborated with cross-functional teams to design and implement solutions that streamline cash settlement workflows, such as standard settlement instruction capture & maintenance, payment controls, and capture payment instruction, ensuring seamless message exchange in ISO SWIFT Pain.001 V3 XML format.
Developed and maintained comprehensive documentation for the integration process and facilitated knowledge transfer among team members.
Trained and supported the Operations and User Acceptance Testing team on the new cash settlement processes, fostering a culture of continuous improvement and knowledge sharing.

Mar 2015 - Sep 2018

3 years 7 months

Frankfurt, Germany

Requirements Engineer, Feature Owner (Scrum Team) – Payments

Deutsche Bank

Liaised with middleware to ensure that legacy and front-end-specific message formats (e.g., SWIFT ISO 15022, XLS, CSV) were converted to the SWIFT ISO 20022 Pain V3 message format for Galileo's utilization.
Discussed, agreed, and formalized a comprehensive set of requirements to support daily business operations across Asia (e.g., CEFTS, SLIPS in Sri Lanka), Europe (T2), and the US, ensuring compliance with regulatory initiatives such as PSD2, alignment to global initiatives like SWIFT gpi, and migration to ISO 20022 MX, while incorporating key payment systems like CHAPS, Bacs, and Faster Payments in the UK.
Achieved consensus among stakeholders to develop a globally viable payment processing engine.
Formulated the Requirements Document 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 sprint retrospectives.
Collaborated with the product owner to define the sprint vision and refined the sprint backlog.
Established the definition of done within the Scrum team.
Prepared product increment and burndown charts for each sprint and presented the product increment during the sprint review, collecting feedback from stakeholders.
Created new user stories in collaboration with the product owner to integrate stakeholder feedback.

Nov 2009 - Dec 2013

4 years 2 months

Business Analyst - Payments Business Requirements Team

Deutsche Bank

Developed a comprehensive set of requirements to support daily business operations globally (Asia, Europe, and the United States) and prepared a corresponding Business Requirements Document for future expansion plans.
Identified gaps in functionality between the legacy payment processing application and TCS BaNCS.
Assisted in defining the overall solution and future operational processes.
Facilitated the integration of the enhanced TCS BaNCS product, Db-Coral, with the bank's cash operations landscape.
Evaluated whether the vendor's proposed solution met operational and business requirements.
Achieved straight-through processing (STP) for domestic payments, cross-border transfers, high-value payments, and cross-currency transfers.
Supported business users during user acceptance testing and assisted payments operations in the post-go-live phase.

Sep 2008 - Oct 2009

1 year 2 months

Bengaluru, India

Test Analyst - Payments and Core Banking

Deutsche Bank

Facilitated all functional discussions related to the core banking solution (db-internet).
Led and managed the db-internet UAT team on-site at the client location.
Designed test conditions and created test cases for domestic and cross-border payments (bulk and non-bulk, foreign and local currency), ensuring comprehensive coverage of all business requirements for both manual and electronic banking.
Supported business users during user acceptance testing (UAT).
Coordinated and participated in the review, revisions, changes, enhancements, testing, documentation, and notifications regarding product enhancements and business opportunities.

Jun 2007 - Aug 2008

1 year 3 months

Gurugram, India

Functional Tester

Taib Bank

Created and executed test cases based on approach notes for functional modules such as real estate, money markets, and securities administration, streamlining necessary changes.
Supported business users during user acceptance testing (UAT).
Conducted quality management and application testing, focusing on both functional and performance aspects.
Mentored team members, enhancing their knowledge in the banking and financial services domain.

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.