1. CURRICULUM VITAE
KRUNAL TIDKE
Email: krunal1587@gmail.com
Contact no: +27 744722574
Personal Information
Name Krunal Tidke
Nationality Indian
DOB 15 – June – 1983
Languages English, Hindi and Marathi
Current Organization Cahead Technology – Senior Software Engineer
Current Position Senior System Analyst at First National Bank
Current Location Johannesburg,South Africa

2. SUMMARY
 Offering More than 6 years of experience in the Banking IT industry(Retail Banking , Corporate Banking
and Investment Banking) as a Senior systemand business analyst
 Now working as a Senior System Analyst at First National Bank within the Corporate Banking (Corporate
Operations, Payments and Collections).
 Good product knowledge of all Payment and Collection services offered by Banks to Retail and
 Recently worked as a Senior Analyst at Cognizant Technology Solutions for Core Banking Transformation
within the Reconciliation team.
 Offering expertise ranges from solution designing, re-engineering processes for improved business
efficiency and increased customer satisfaction/service.
 Gathering business requirements and validating IT solutions following the SDLC, UML2.0 and Agile
methodologies.
 Successfully completed Fundamentals of Agile and DAD(Disciplined Agile Delivery) certification
 Interfacing across all teams involved in the project i.e. all applicable stakeholders external, internals, Business
(e.g. Product, Process, Subject Matter Experts) and IT (e.g. Architecture, QA, Development and Process
Engineering)
 Sound knowledge of ISO20022 standards
 Attend and actively contribute towards the SA Forum
Skills
1. Business Analysis in Payment, Collection and Reconciliation
2. Requirements Analysis
3. Solution Designing
4. SDLC, STLC
5. Business Process Flow
6. Systems Analysis
7. Host to host Integrations
8. Requirements Gathering
9. Business Process Mapping
10. Project Initiation Document
11. Gap Analysis
12. Impact Analysis
13. Create canonical data model, XSD validation
14. Agile Methodologies
15. Quality Assurance,Functional Testing
16. UML, User driven use case, and Systemdriven use case
17. Business Requirements (BRS), Functional Requirements(FRS), Technical Requirements(TRS)
18. Software Documentation use case survey model and use cases,state machine diagram, Data
mapping, Error Mapping, Message specification as per ISO 20022 standards.
EDUCATION
 MBA with specialization in Finance from International Institute of Information technology, Pune with
2.5/4 CGPA in Aug 2010
 B.Sc.(Mathematics) from S.M.M. College, Nagpur with 63.15% in June 2008
 D.Ph. from BTE with 55.00% in June 2004
 HSSC from New English Junior College, Nagpur, State Board, with 65.00% in March 2001
 SSC from I.G. High School, Nagpur, State board, with 80.93% in March 1999

3. WORKING Experience
 Working as a Senior Software Engineer in Cahead Technology from January 2015 - Till date.
 Worked as a Senior Analyst in Cognizant from April 2014 - December 2014
 Worked as a Senior Analyst in Wipro from August 2012 – April 2014
 Worked as a Senior Analyst in Eclerx from June 2010 – June 2012
Project Responsibilities
 B2B(Business 2 Bank) Gateway(Payment and Collection)
 B2C (Bank 2 Clearing House) Gateway(Payment and Collection)
 Authenticated collections
 EFT Dashboard
 Receipt-IT
 Payment and Collection Service
 Payment and Collection Product
 Payment Investigation
Career Summary
Senior System Analyst - Cahead Technology
Client -First National Bank
January 2015 – Present,Johannesburg, South Africa
 Provide some of the following business analysis services to Corporate Banking's B2B(Bank to Business)
Operations Programme:
• Analysis of the scope definition, planning and execution of the programme
• Authorbusiness cases and feasibility studies in partnership with business
• Identify opportunities to improve business processes by documenting the As -Is processes,defining with
business the To-Be processes
• Analyse the gap between As-Is and To-Be
• Compile requirement specifications
• Consult with business stakeholders on business needs,issues and concerns
• Document and review manuals, procedure and related user documentation
• Lead requirements planning activities and monitor and manage requirements throughout the project lifecycle
• Oversee collaboration between business analysis teammembers and project IT team members during
conceptualdesign phase and requirements documentation
• Facilitate communications between business and IT
• End usertraining on use of new system
Project
1. Regulatory Reporting
 Monitoring safety and soundness on the individual legal entity level (e.g., regulatory capital)
 Monitoring systemic risk in the banking and financial systems
 Monetary Policy (measurement and operations)
 Cross border flows (individual exposures and position of countries)
 Compliance

4. 2. B2B Gateway (Bank 2 Business Gateway)
 Bank to Business (B2B) Gateway is a platform provided by a bank for their clients to facilitate the
payment and collection services.
 Establish one point of contact for all the bank’s clients’ business systems for all their B2B (host-to-host)
product solutions.
3. B2C Gateway (Bank 2 Clearing House Gateway)
 Bank to Clearing house (B2C) Gateway is a platform provided by a bank for clearing house to facilitate
the payment and collection services.
 Establish one point of contact for all the clearing house business systems for all their B2C (host-to-host)
product solutions.
4. Payment and Collection Products
1. AC – Authenticated Collections
2. Warehousing of Payments and Collections
3. Cut-Off management for Payments and Collections
4. Auto-bumping of Payments/Transactions
5. Unpaid Transactions
6. Payment Confirmation / Payment Notification
7. Debit orders
5. Payment and Collection Services
1. Real time Domestic Payments and Collections
2. Batch(Bulk) Domestic Payments and Collections
3. Cross border payments
4. Electronic Fund Transfer(EFT) Service
5. MT101 Service(SWIFT Messages)
6. Pain.001.001.03 bulk payment service
7. Pain.008.001.03 bulk collection service
8. Pain.009.001.03 Mandate Initiation service
9. Pain.010.001.03 Mandate Amendment service
10. Pain.011.001.03 Mandate Cancellation service
11. Pain.012.001.03 Mandate Acceptance report
12. Pain.001.001.03 Pain Initial/Final Response
13. camt.56, camt.26, camt.29 request and response
14. pacs.002, pacs.003, pacs.004, pacs.0007, pacs.008 request and response
15. Balance Enquiry Service
6. EFT Dashboard
 Real time view for EFT payment processing
 Error handling
 Client Alerts
 Critical components(SLAs)
 High level overview and drill down the information
 System health check for EFT transaction
7. Receipt-IT
 Receipt-It provides a timeous notification service of financial movement on a Client’s account.It offers
real-time and batch notification as a financial transaction updates the Client’s account.

5. Senior Analyst
Cognizant Technology Solutions
April2014 – December 2014 (9 months), Pune
Provide some of the following business analysis services to the Core Banking Transformation within the Reconciliation
team.
• Provide subject matter expertise to the development and test teams throughout the project lifecycle
• Manage pre and post release expectations; coordinate defect & change requests raised
• Negotiate function points across lines of business to agree on a common approach wherever necessary
• Interface with the business on functional aspects throughout the project lifecycle
• Liaise with business sponsors to understand business priorities and requirements
• Establish and maintain relationships with key business stakeholders
• Translate business needs into requirements that can be understood by application development teams involves
• Document and manage the completion of functional requirements; obtain sign-off for functional requirements from
necessary parties
• Identify areas/ opportunities of process improvement
• Raise and manage issues and risks effectively
• Participate in quality reviews and implement corrective measures to ensure
• Coordinate, facilitate and if required undertake useracceptance testing; conduct internal testing of systemto ensure
functionality and that systemmeets all clients' requirements
• Implement agile processes to reduce time of accounting opening
Project
1) PAYMENT INVESTIGATION
Role – Business Analyst
Project Overview: - Payment Investigation is an exception management solution that helps financial
institutions ensures payment accuracy and timely settlement, enabling them to improve customer service and
lower operational costs.
Through advanced exception management software, financial institutions can automate potentially costly
payment investigation processes – and,by establishing and adhering to best practice, ensure their service
standards are upheld.
Senior Analyst
WIPRO Services Limited – Client : Credit Suisse
August 2012 – April 2014 (1 year and 8 months), Pune
Provide the following business analysis services
• Lead functional team to project completion and represent the business analysis teamto business stakeholders
• Elicit business requirements through workshops and JAD sessions with stakeholders and business SMEs
• Define idea, concept overview and high level business requirements
• Provide input into the development of a business case to determine feasibility of requirements
• Map AS-IS and TO-BE processes using UML2.0
• Document well contextualized, procedures and receive sign-off from business
• Maintain and comply with current processes established for business optimisation
• Provide input and conduct analysis on current Cash Management System for potential optimisation of reconciliation
solutions for cost savings strategies
• Create project plans and update according as per project progress

6. • Define & manage risks and provide feedback to management on a weekly basis
• Assign tasks and manage delivery to prevent scope creep
• Compile Policies, Procedures and Processes for cross functional departments per ISO standards
• Analyse current cash reconciliation systems,redesign and recommend solutions
• Re-engineer business processes forbusiness efficiency and improved customer experience
Project
1) NOSTRO RECONCILIATION
Role – Business Analyst
Project Overview: - Nostro Reconciliation is a reconciliation software solution that
helps financial institutions more efficiently carry out nostro reconciliation across their correspondent accounts
– increasing operational control and reducing costs.
Supporting real-time and intra-day cash reconciliation, Nostro Reconciliation ensures the accurate and
efficient settlement of cash movements, providing greater visibility across correspondent accounts – and,in
turn, enabling the optimal use of funds.
Senior Analyst
Eclerx Services Limited
June 2010 – June 2012 (2 years), Pune
Provide the following business analysis services:
• Participate in JAD sessions to elicit business requirements
• Define high level business requirements
• Consult with IT managers on site to assessfeasibility of requests for new features and systemenhancements
• Compile systemand functional specifications
• Map business processes and create use cases using UML
• Participate in design sessions with Java developers to demonstrate GUI prototypes
• Define test cases
• Identify and secure appropriate test data and assist test teamin UAT of proposed solution
• Record and track defects uncovered during the test case execution
• Produce user training manuals, release notes and reference guides
• Attend structured walkthroughs before implementation
• Support post implementation issues through service desk
• Solution assessment and validation before live environments are deployed
• Offer user training post systemimplementation