Available to hire
Hi, I’m Theja Mary Jose K. I’m a consultant and senior business analyst with 19+ years in the banking and financial sector, helping banks transform their digital services for retail and corporate clients. I specialize in leading technology-driven banking transformations, coordinating跨-functional teams, and delivering measurable outcomes across regions including the UK, Ireland, Saudi Arabia, Egypt, and Vietnam.
I excel at requirements gathering, data analysis, and stakeholder management, using Agile or hybrid approaches to drive value from ideation to post‑deployment support. I bring deep domain knowledge in retail banking products, core banking systems, compliance, and fraud prevention, applying BI tools like Power BI, Tableau, and Excel to deliver actionable insights and robust dashboards for informed decision‑making.
Experience Level
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Language
English
Fluent
Work Experience
Senior Business Analyst/Consultant at Aspire Systems
March 1, 2024 - PresentSenior BA/Consultant responsible for end-to-end digital banking transformations across NBFCs and banks in multiple regions. Led delivery for projects including IJARA credit card mobile app, Sacom Bank digital retail banking (web/mobile/tablet), AIB Bank digital retail banking, Bank of Ireland UXP mobile enhancements (split payment, default account setup, opt-in/opt-out, push notifications), and CASA onboarding for APC Bank. Collected requirements, authored functional/service documents, supported UAT, and guided change management. Collaborated with UI/UX teams to ensure user-centric designs and managed backlog prioritization for efficient sprint delivery.
Senior Business Analyst at Applied Data Finance
August 1, 2022 - February 1, 2024Led requirements gathering and user-story development; managed product backlog and sprint planning for digital lending and fraud/legal automation initiatives. Delivered multi-factor authentication, opt-in/opt-out flows, delinquency communications revamp, and regulatory compliance enhancements. Facilitated UAT, created comprehensive documentation, trained end users, and collaborated with UI/UX and development teams to ensure smooth deployment and adoption.
Senior Associate at EY UKI Consulting
November 1, 2013 - April 1, 2022EY UKI Consulting – Senior Associate. Worked with banking clients on core banking modernization (Finacle migration), process improvements, regulatory/compliance initiatives, and governance. Managed client relationships, scoping, escalation management, and delivered business analysis across UK and Ireland, contributing to improved ops efficiency and compliance.
Deputy Manager - Retail and Corporate Banking at IndusInd Bank
July 1, 2013 - November 1, 2013Managed customer-centric operations, processing instructions, and delivering service quality norms with defined SLAs. Oversaw day-to-day branch operations, KYC/AML/compliance, risk investigations, MIS reporting, and policy adherence to enhance customer satisfaction and operational efficiency.
Assistant Manager - Retail and Corporate Banking at Axis Bank
September 1, 2010 - July 1, 2013Gained exposure to Finacle core banking, driving processes for opening accounts, lending, deposits, cash movements, KYC, AML, and compliance. Generated MIS, conducted gap analyses, and supported workflow improvements and audits.
Customer Service Associate at ICICI Prudential Life Insurance
May 1, 2007 - September 1, 2010Handled underwriting of ULIP applications, processing service requests, and coordinating with hubs for case processing beyond branch limits. Managed training, quality assurance, and escalation handling to ensure customer satisfaction and adherence to process standards.
Education
Master of Business Administration (Finance and Banking / Insurance) at RVS Institute of Management Studies and Research (Autonomous College), Bharathiyar University, Coimbatore, India
July 1, 2005 - April 1, 2007Bachelor of Commerce (Taxation) at St. Teresa’s College, Mahatma Gandhi University, Kottayam, India
July 1, 2002 - April 1, 2005Master of Applied Social Work at Massey University, Auckland, New Zealand
February 1, 2026 - March 5, 2026Master of Business Administration (Finance and Banking / Insurance) at RVS Institute of Management Studies and Research (Autonomous College), Bharathiyar University, Coimbatore, India
July 1, 2005 - April 1, 2007Bachelor of Commerce (Taxation) at St. Teresa’s College, Mahatma Gandhi University, Kottayam, India
July 1, 2002 - April 1, 2005Master of Applied Social Work at Massey University, Auckland, New Zealand
February 1, 2026 - March 5, 2026Qualifications
Certified Scrum Product Owner
January 11, 2030 - March 5, 2026Six Sigma Yellow Belt
January 11, 2030 - March 5, 2026KYC and AML Certification
January 11, 2030 - March 5, 2026EY Bronze Badge for Data Visualization
January 11, 2030 - March 5, 2026EY Bronze Badge for Data Integration
January 11, 2030 - March 5, 2026NCFM Certified – NSE Academy Certificate in Financial Market
January 11, 2030 - March 5, 2026Certified Scrum Product Owner
January 11, 2030 - March 5, 2026Six Sigma Yellow Belt
January 11, 2030 - March 5, 2026NCFM Certification (NSE Academy Certificate in Financial Market)
January 11, 2030 - March 5, 2026KYC and AML Certification
January 11, 2030 - March 5, 2026EY Bronze Badge for Data Visualization
January 11, 2030 - March 5, 2026EY Bronze Badge for Data Integration
January 11, 2030 - March 5, 2026Industry Experience
Financial Services, Professional Services, Software & Internet, Retail, Other
Experience Level
Expert
Expert
Expert
Expert
Expert
Expert
Expert
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