Pranjal Narayan - Consultant – Business Process & Supply Chain Advisory

Q: Where is Pranjal based?

Pranjal is based in Frankfurt, Germany .

Q: What languages does Pranjal speak?

Pranjal speaks the following languages: Hindi (Native), English (Advanced), German (Elementary) .

Q: How many years of experience does Pranjal have?

Pranjal has at least 19 years of experience. During this time, Pranjal has worked in at least 9 different roles and for 5 different companies . The average length of individual experience is 2 years and 1 month . Note that Pranjal may not have shared all experience and actually has more experience.

Q: What is Pranjal's latest experience?

Pranjal's most recent position is Consultant – Business Process & Supply Chain Advisory at Restaurant Namaste Aschaffenburg .

Q: What companies has Pranjal worked for in recent years?

In recent years, Pranjal has worked for Restaurant Namaste Aschaffenburg , Deutsche Bank , and Clearstream Banking .

Q: Which industries is Pranjal most experienced in?

Pranjal is most experienced in industries like Banking and Finance and Food and Beverage .

Q: Which business areas is Pranjal most experienced in?

Pranjal is most experienced in business areas like Information Technology (IT) , Operations , and Product Development . Pranjal also has some experience in Quality Assurance (QA) , Project Management , and Logistics .

Q: Which industries has Pranjal worked in recently?

Pranjal has recently worked in industries like Banking and Finance and Food and Beverage .

Q: Which business areas has Pranjal worked in recently?

Pranjal has recently worked in business areas like Operations , Quality Assurance (QA) , and Product Development .

Recommended expert

Frankfurt, Germany

Experience

Apr 2025 - Present

1 year

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

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Banking and Finance (17.5 years) and Food and Beverage (1 year).

Banking and Finance

Food and Beverage

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Information Technology (11.5 years), Operations (10.5 years), Product Development (8.5 years), Quality Assurance (8 years), Project Management (2 years), and Logistics (1 year).

Information Technology

Operations

Product Development

Quality Assurance

Project Management

Logistics

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)

Profile

Created

October 2025

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Pranjal based?

Pranjal is based in Frankfurt, Germany.

What languages does Pranjal speak?

Pranjal speaks the following languages: Hindi (Native), English (Advanced), German (Elementary).

How many years of experience does Pranjal have?

Pranjal has at least 19 years of experience. During this time, Pranjal has worked in at least 9 different roles and for 5 different companies. The average length of individual experience is 2 years and 1 month. Note that Pranjal may not have shared all experience and actually has more experience.

What roles would Pranjal be best suited for?

Based on recent experience, Pranjal would be well-suited for roles such as: Consultant – Business Process & Supply Chain Advisory, Senior Business Analyst (Anti-Financial Crime), Senior Business Analyst (Cash Settlement).

What is Pranjal's latest experience?

Pranjal's most recent position is Consultant – Business Process & Supply Chain Advisory at Restaurant Namaste Aschaffenburg.

What companies has Pranjal worked for in recent years?

In recent years, Pranjal has worked for Restaurant Namaste Aschaffenburg, Deutsche Bank, and Clearstream Banking.

Which industries is Pranjal most experienced in?

Pranjal is most experienced in industries like Banking and Finance and Food and Beverage.

Which business areas is Pranjal most experienced in?

Pranjal is most experienced in business areas like Information Technology (IT), Operations, and Product Development. Pranjal also has some experience in Quality Assurance (QA), Project Management, and Logistics.

Which industries has Pranjal worked in recently?

Pranjal has recently worked in industries like Banking and Finance and Food and Beverage.

Which business areas has Pranjal worked in recently?

Pranjal has recently worked in business areas like Operations, Quality Assurance (QA), and Product Development.

What is Pranjal's education?

Pranjal holds a Master in Finance, Information Technology from Institute of Management Technology and a Bachelor in Engineering from KLESCET, Visvesvaraya Technological University.

Does Pranjal have any certificates?

Pranjal has 4 certificates. Among them, these include: Professional Scrum Master I (PSM I), Amfi - Mutual Funds (Advisors) Module NSE Academy Certification In Financial Markets (NCFM), and Capital Markets Dealer's Module NSE Academy Certification In Financial Markets (NCFM).

What is the availability of Pranjal?

Pranjal is immediately available for suitable projects.

What is the rate of Pranjal?

Pranjal's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.