Akil Ahammed

Payments-focused Business Analyst with 12 years of IT experience, 7 years in core BA roles, and 5 years of experience in payment systems — ACH, NACHA, ISO 20022, card integrations.

Certified

ScrumMaster with hands-on experience in API testing, Agile delivery, and end-to-end requirements ownership across BFSI, FinTech and LIMS. Proven track record of bridging business and engineering to deliver complex payment platforms on time and at scale.

Business Analyst - Indus Net Technologies Ltd - Kolkata

(2021-12)

Business Analyst responsible for Product Ownership and Agile delivery of enterprise payment solutions for North American clients.

Business Analyst | Product Owner - Indus Net Technologies Ltd - Kolkata

(2021-12)

Enterprise Payment Platform (3 Years 2 Months +): Enterprise payment platform enabling bill and invoice management through ACH, card, check, and virtual card payments. Supports payment, reconciliation, settlement, bank integrations, and Open APIs.

• Owned and prioritized the product backlog, ensuring alignment between business objectives, customer requirements, and development capacity.
• Conducted stakeholder meetings to gather, analyse, and document functional requirements.
• Created epics, user stories, acceptance criteria, business workflows, and process diagrams.
• Facilitated backlog refinement, sprint planning, sprint reviews, and supported Scrum ceremonies.
• Worked closely with developers and QA throughout the SDLC to clarify requirements and remove blockers.
• Collaborated with architects on API design and payment workflows.
• Functioned as Product Owner, driving backlog prioritization, stakeholder alignment, and delivery outcomes with engineering teams while delegating and mentoring fellow Business Analysts.
• Owned the payment platform backlog, defined the API monetization roadmap, and prioritized features based on transaction impact — covering transaction lifecycle, settlement, reconciliation.
• Drove Payment Platform transaction volume 15x over 3 years by leading integrations across Visa Direct, NMI gateway, NACHA ACH, virtual card and multiple bank integrations, aligned with PCI DSS standards.
• Defined end-to-end payment lifecycle — initiation, clearing, settlement, and reconciliation — ensuring secure, scalable transaction processing and expanding platform reach via Open API access.
• Reduced post-release defects by conducting end-to-end UAT and API testing via Postman before every release, catching critical bugs before production.

Business Analyst | Scrum Master - Indus Net Technologies Ltd - Kolkata

(2023-07)

Credit Management Platform (1 Year 5 Months): A Credit Management Platform designed to manage the customer credit lifecycle, including loan origination, credit assessment, payment processing, collections, and reconciliation, serving over 20,000+ customers.

• Led requirements and backlog delivery ISO 20022 messages implementation. This enabled a 1.5x lending limit increase and 35% YoY transaction growth.
• Defined requirements and validated outputs for AI-enabled features including automated KYC and intelligent exception handling.
• Collaborated with business stakeholders, product management, and engineering teams to elicit, analyse, and document business requirements for new product features and process improvements.
• Converted business requirements into epics, user stories, acceptance criteria, process flows, and functional specifications to support Agile development.
• Facilitated Scrum ceremonies including sprint planning, daily stand-ups, backlog refinement, sprint reviews, and retrospectives, ensuring effective collaboration across cross-functional teams.
• Coordinated UAT planning, defect triage, and release validation to ensure production quality.
• Monitored sprint progress, managed dependencies, identified delivery risks, and communicated project status to business stakeholders and leadership.
• Mentored team members on Agile practices and promoted continuous improvement within the Scrum team.

Business Analyst & Marketing Executive - Bit Wave Solutions Pvt Ltd

(2014-01 - 2021-11)

Worked with international clients across LIMS, ERP, Finance, Business Intelligence, and Digital Products, leading business analysis activities from discovery through deployment.

Business Analyst - Bit Wave Solutions Pvt Ltd

(2014-01 - 2016-07)

Laboratory Information Management System LIMS (2 Years 6 Months): LIMS application implementation for 500+ users across 7 countries.

• Managed LIMS application implementation for 500+ users across 7 countries (India, USA, UK, Australia, Kuwait, Slovenia, Poland), handling requirements, stakeholder management, and cross-border delivery.
• Delivered QR-enabled certificate generation, reducing manual effort by 30% and improving laboratory operational efficiency.
• Conducted workshops with laboratory teams to understand operational workflows.
• Prepared BRDs, FRDs, user stories, workflow diagrams, and acceptance criteria.
• Coordinated UAT and production releases.

Business Analyst - Bit Wave Solutions Pvt Ltd

(2019-01 - 2019-07)

Digital Products Portfolio (6 Months): Sage ERP Add-on, Business Intelligence, Travel, Sports Platforms.

• Product roadmap planning, Requirement gathering, User stories writing, Change request management, UAT
• Gathered business requirements for OCR invoice processing as Sage 50 and Sage 200 add-on.

Marketing Executive - Bit Wave Solutions Pvt Ltd

(2016-08 - 2021-11)

Laboratory Information Management System LIMS (4 Years 11 Months): Marketing and business development role.

• Managed simultaneous marketing campaigns for 5–6 software products including LIMS and Service Management Systems covering LinkedIn outreach, email content, email campaigns, and presentations.
• Produced client-facing collateral including scope documents, proposals, brochures, and pricing documentation to support the sales pipeline.

Master of Business Administration - Business Administration - Mahatma Gandhi University (2012 - 2014)