Muhammad Zardar
Sydney,NSW
Summary
Experienced Business Analyst, Scrum Master and Transformation consultant with 10+ years of experience. Certified in CBAP, Design Thinking, and Scrum. Proficient in Temenos Transact & Infinity, Testing & Quality Control, and SDLC. Proven track record of driving automation, managing agile projects, and improving digital banking solutions. Committed to delivering impactful, data-driven solutions that enhance operational efficiency and promote business growth.
Overview
11
11
years of professional experience
4
4
Certifications
Work History
Senior Business Analyst
GCI Consulting PTY LTD
09.2023 - Current
- Led the complete end-to-end software development life cycle (SDLC) for over 5 projects, covering requirements gathering, gap analysis, functional specification design, testing/QA, and delivery, resulting in a 30% improvement in project delivery timelines.
- Managed and successfully executed 5+ digital banking transformation projects, integrating digital banking solutions with legacy core banking systems, which led to a 20% increase in digital adoption rates among users.
- Applied Agile Framework principles effectively to achieve faster and more qualitative solutions, with an average sprint velocity increase of 15% and a reduction in development cycle time by 25%.
- Expertly coordinated with cross-functional teams across multiple departments, including front-end, middleware (interfaces), core-banking teams, and downstream systems, leading to zero downtime during integration and a 40% improvement in overall system performance.
- Designed solutions based on Business Process Reengineering (BPR) and GAP analysis sessions, resulting in optimized workflows.
- Led data migration efforts during 3+ implementation projects, managing data cleansing, mapping, transformation, definition, and reconciliation, which ensured 99.9% data accuracy and minimized data-related issues post-migration.
- Provided functional support during the development phase by deriving solutions based on requirements and gap analysis, which enhanced system capabilities and met 100% of user requirements.
- Supported multiple phases of testing as a Business Analyst, including Unit Testing, System Testing, Integration Testing, and User Acceptance Testing.
- Prepared over 100+ detailed user stories for system enhancements, directly contributing to improved functionality and a 25% increase in user satisfaction scores.
Senior Business Analyst
GCI Consulting FZ-LLC
06.2022 - 08.2023
- Managing & Leading the Digital Business Analysts stream
- Identification and sharing best practices with the clients
- Collaborate with the Technical leads and Solution Architects to standardize integration touchpoints for smooth product deployment
- Formulate strategies to enhance Digital Banking Experience
- Lead ideas into implementation and integration with client's systems.
Business Manager - Digital Practice
National Data Consultants
01.2022 - 08.2022
- Leading the Business Analysts team and developing domain experts
- Promoting growth environment within the Business Analysts to enhance their knowledgebase and skills
- Innovate cost effective solutions for improving efficiency of clients in Digital Banking.
Sr. Business Consultant
National Data Consultants
07.2021 - 12.2021
- Key role in discovery workshops and requirement elaboration activities
- Scope finalization with the clients
- Preparation of Requirement gathering documents from the client
- User story management in consultation with Product Owners
- Internal Stake holder management with Technical Lead and Solution Architect to convert customer business use cases into user stories
- Delivery, develop and confirm estimates for related user stories
- Prepare change proposals in collaboration with the architect to standardize new integrations.
Business Consultant
National Data Consultants
10.2019 - 06.2021
- Front end Application flow
- Assisted the technical resource in Front-end screen flows for Web Portal and Agent Application on UXP Platform
- Presented Agency Banking & Mobile Wallet features on Infinity platform to Mobilink Microfinance Bank Limited (MMBL)
- Assisted the Technical resource with UI/UX for NDC Retail app on Infinity Platform through providing process flows, page descriptions, images, icons to place on the various app screens/forms
- Agency Banking Development and prototype
- NDC Wallet prototype& Corporate LOS Prototype.
Manager Loyalty & Alliances - Credit & Debit Cards
HBL
05.2017 - 09.2019
- Strengthen the Loyalty and Alliances for HBL Debit & Credit Cards
- Facilitate tie-ups with merchant's & loyalty partners to enhance customer experience on HBL Cards
- Took initiatives to introduce seasonal offers with focusing upon refining brand value, brand image and visibility
- Conduct Trainings of internal staff on new/revised Alliances
- Monitoring of market trends with innovative campaigns
- Execution of HBL Instalment Plans on monthly basis
- Revamping Rewards Program.
Product Manager - Digital Wallets
UBL
06.2015 - 04.2017
- Developed strategies for Account Acquisitions
- Determine technologies for enhancing payment channels to perform cashless transactions
- Process improvements for mobile wallet registrations, cost controls, customer frequency in account usage
- A complete process designed for Biometric Account opening
- Initiated and executed a secured mechanism of transactions through biometric fingerprint impression
- Coordinated with third party stakeholders for approvals regarding SBP policies and availing NADRA services for verification of customers in a cost-effective way
- Roll out of SMS campaigns for customers
- Preparation and Presentation of Monthly / Quarterly business review.
Assistant Sales and Marketing Manager
Supreme SCM Pvt. Ltd.
06.2013 - 05.2015
- Developed a trade promotional plan and distribution network with key customers and channels
- Interacted with customers for providing customized solutions while worked in synergy with cross-functional teams
- Performing business analytics and monitoring reports
- Compliance of quality services assurance pertaining to logistics
- Organized and executed field visits
- Relationship management with external and internal stakeholders
- Developed and maintained company's global presence through preparing and monitoring of Partnership agreement with foreign agents
- Built New Product Development (NPD) plans while keeping in consideration the service-oriented nature of business
- Developed Distribution/Trade network round the globe that increased company's footprints on the map
- Achieved 15% growth across all product categories
- Developed MIS for automation of monitoring and quality assurance framework.
Education
MBA - Marketing
Institute of Business Management (IoBM)
05.2013
Master of Arts - International Relations
University of Karachi
Bachelor of Commerce - Business
Defense Authority Degree College
Skills
- User Acceptance Testing
- Stakeholder Management
- Scrum Master
- Product Owner
- Business Requirement Analysis
- Design Thinking
- Process Automation
- Software Development Lifecycle
- Project Management
- Quality Assurance
- IIBA methodologies
- Team Collaboration
Certification
- CBAP, IIBA, 2023, ID800591
- CSM, Scrum Alliance, 2022
- Enterprise Design Thinking Practitioner, IBM, 2021
- Temenos Implementation Methodology Certified, 2021
Languages
English
Full Professional
Urdu
Native or Bilingual
Hindi
Full Professional
Arabic
Limited Working
Timeline
Senior Business Analyst
GCI Consulting PTY LTD
09.2023 - Current
Senior Business Analyst
GCI Consulting FZ-LLC
06.2022 - 08.2023
Business Manager - Digital Practice
National Data Consultants
01.2022 - 08.2022
Sr. Business Consultant
National Data Consultants
07.2021 - 12.2021
Business Consultant
National Data Consultants
10.2019 - 06.2021
Manager Loyalty & Alliances - Credit & Debit Cards
HBL
05.2017 - 09.2019
Product Manager - Digital Wallets
UBL
06.2015 - 04.2017
Assistant Sales and Marketing Manager
Supreme SCM Pvt. Ltd.
06.2013 - 05.2015
MBA - Marketing
Institute of Business Management (IoBM)
Master of Arts - International Relations
University of Karachi
Bachelor of Commerce - Business
Defense Authority Degree College
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