This document provides a summary of Abhijeet Kulkarni's work experience and qualifications. It summarizes his 15+ years of experience as a Business Analyst and Consultant for various banking software implementation projects internationally. It highlights his expertise in requirements gathering, functional specification writing, testing, and client management. It also includes a brief summary of his previous experience in credit analysis and business development roles in the banking sector in India.

1. ABHIJEET KULKARNI
Unit 14/79-85, Stapleton Street, Pendle Hill, NSW-2145, Sydney, Australia | M: 0415420747 | Email:
mailabhijeet@ymail.com
Summary
Solid work experience as Business Analyst in globally leading Retail/Core banking software
Product IT Company
Performed leadership roles in BA and Testing assignments
Expertise in SDLC & STLC
International work experience in software implementation/transformation project
International work experience on client site in UAT
Certified Tester of ISTQB
Providing guidance and assistance to client UAT testing, configuration, Finance, IT teams
Subject matter expertise in Core/Retail Banking Software
Proficient at People Management, Schedule Management, Mentoring
Expertise in Functional Specs writing, Requirement gathering & analysis
Extensive experience of Operations & Credit in Lending(Non-IT)
Excellent communication, quick grasp, Energetic, Go-getter
Experience
Senior Principal Consultant Apr 2006 to Current
Oracle Financial Services Software Limited
1) Project Name: - U Bank Implementation (formerly known as Teba Bank), South Africa
U Bank is a prominent bank in South Africa with niche customer segment of its own. This
implementation project involved migrating from an older version legacy to latest version of Flex cube
software (leading Retail/Core banking software). This was a mission critical project and was the biggest
investment for the Bank in its history.
Key Competencies & Achievements
A) Business Analysis, People Management, Change Management
Conducted Functional Specification walkthroughs for stakeholders
Actively participated in Client meetings, proposing solutions, managing stakeholders’
expectations and engaged in discussions on requirements
Performed complete Product Parameterizations/Configurations
Provided demos to client Management Board members
Performed Requirement Gathering & Analysis for banking clients using techniques like
Brainstorming, Requirement workshops, observations
Performed Gap analysis
B) UAT testing – People Management, Guidance, support & Co-ordination
Guided Client UAT Test Managers in designing of Test plans and Test schedules at client site
Assisted UAT testing team on issue clarifications & resolution

2. Managed multiple stakeholders from several client departments in parallel during UAT & Go
Live
Held regular meetings & discussions with Management board members on UAT
Provided assistance, feedback, guidance to Project Manager on UAT Defect Management
Performed Sanity testing and smoke testing before application was handed over to client for UAT
Interacted with Tellers, Users and resolved their queries, doubts
Acted as Functional Support for Production issues at client site
2) Project Name: - BDI Change Requests and Enhancements, Bank Danamon Indonesia
BDI is one of the largest banks in Indonesia. There were several sets of process improvement
requirements/enhancements encompassing various core banking modules with tight deadlines and
expectation of precision and quality.
Key Competencies & Achievements
A) Functional Specifications Writing, Requirement discussions
Prepared Functional Specification Documents on Core/Retail banking modules
Engaged with client in frequent discussions on Bank requirement documents and fine tuning the
requirement documents of the client
B) Lead Roles - SIT, IT
Worked as Test Lead on Test assignments during SIT, IT
Expertise in Test planning, Test schedules, Test Scope documents
Guided testing team on issue raising, issue clarifications & issue resolution
Coordinated with Development teams on Defect Management
Conducted trainings for test team and development teams on Functionality process flows
3) Project Name: - AIB Base Testing, Allied Irish Bank, Ireland
AIB is the largest banking group in Ireland and chose Flex Cube software for their Retail Banking. The
project was for Base functionality testing covering majority of banking modules. Base testing meant each
module had to be tested with the most fundamental functionality and delivered to the client.
Key Competencies & Achievements
Module Lead - System Integration Testing – Product Base Testing
Performed as a Module Lead on banking modules like Term Deposits, Customer Information
File, Inventory and Remittance
Explaining & Clarifying functionalities, process flows to testing, development teams
Worked with Test manager on Test planning, Test Scheduling, Scope documents preparation
Defect Management, engaging in discussions & clarifications on issues with Development teams
Guiding and leading Test Team during Base SIT testing
4) Project Name: - Security Changes Enhancements & Change Requests, Yes Bank Limited, India

3. Yes Bank is an aggressive & advanced technology driven upcoming bank in India expanding rapidly.
This assignment was to introduce major security related changes in bank’s Online (Internet) Banking
channel and involved changes in multiple security features of the existing online banking system.
Key Competencies & Achievements
Lead role, Project Management, Requirement discussions & Functional Spec writing
Prepared Functional Specification documents for the Business Requirements
Worked as a FS Lead responsible for timely FS delivery and ensuring quality documents from the
FS team
Guided team members on FS writing, Approach suggestions, Resource Management
Extensively engaged with client on discussions with respect to requirements and solutions
Proposed approach and solutions, functional feasibility analysis to client and Development team
5) Project Name: - Reverse Migration, Bank of Jamaica, West Indies
BOJ is a significant bank in Jamaica and the project involved migrating from one software to another.
This assignment was into reverse migration and involved extensive interaction with third party software
vendors.
Key Competencies & Achievements
Stakeholder management, Data mapping, Migration
Involved in frequent discussions with multiple stakeholders including bank IT team, Business
Users as well as third party software teams, discussed data mapping requirements
Managing stakeholder expectations, co-ordinating in parallel with different set of people
Credit & Operations Officer Nov 2001 to Mar 2006
Housing Development Finance Corporation Limited – India
HDFC is one of the largest housing finance companies in India having some of the best practices for
lending and has the lowest ratio of nonperforming assets in Asia.
Performed complete Credit analysis and appraisals of Home Loan proposals by studying and
analyzing Credit worthiness of customers
Prepared recommendations and justifications for proposals by maintaining balance between
increase in Business and managing risk
Managed Loan Inquiries and converted them into Business
Handled Loan disbursements
Active role in End to end processing of a loan proposal from receipt of application till maturity.
Business Development Executive Mar 2000 to Dec 2000
Standard Chartered Bank – India
Marketed mutual fund schemes promoted by the bank.
Designed individual customer portfolios for investments.

4. Accomplishments
Single handedly managed functional business analyst activities at client site during a highly
successful implementation of Flex Cube software at U Bank, SA
Performed excellent Flex Cube product parameterizations leading to One of the lowest post
production issues at client site after implementation during U bank implementation
Honoured with a prestigious individual award by Consulting Global head of Oracle for
consistently meeting various deadlines in FS writing and testing and enhancing product quality
during BDI project
Pro actively recommended re-engineering of a core banking module to client which was
appreciated and taken up by the client for requirement submission during U bank implementation
Highly appreciated and recognized as a Subject Matter Expert on product related queries
Successfully guided UAT test Managers in test plans and schedule changes resulting into good
percentage of quality test cases and less number of issues post production
Acted successfully as a single point of contact for all functional queries by multiple stakeholders
thereby reducing dependency on multiple resources during People’s United Bank, USA during
video conferencing sessions
Single handedly conducted product walkthrough sessions for management board members of U
bank
Reduced Turn around time by up to 20% between Loan proposal receipt and approval of loans by
taking various operational improvement measures
Education
MBA 2001
Pune University India
Bachelor of Arts, Economics 1998
Pune University India
Skills
Expertise in MS Word, Excel, PowerPoint
Expert in JIRA, a test management and defect management tool
Expertise in PLSQL
Sound knowledge of MS Visio
Good exposure to Star UML
Read, write and speak German language
Certifications
Certified Tester of International Software Testing Quality Board