Niharika Joshi

Business Analyst with 3+ years leading multiple concurrent Healthcare and Insurance projects end to end, from requirement elicitation and AS-IS/TO-BE process reengineering through release sign-off, ensuring on-time delivery, quality outcomes, and alignment with business objectives. Skilled at developing project plans, allocating resources, and monitoring execution across parallel workstreams; building Advanced Excel and Power BI dashboards and visual decks for daily, weekly, and monthly leadership cadences; and driving data-driven decision-making through SQL-validated analytics on claims, policy, and underwriting KPIs. Experienced in cross-functional stakeholder collaboration, risk and issue management, and maintaining governance, compliance, and documentation standards throughout the delivery lifecycle.

Business Analyst at Crystaltech Services Private Limited (2023-05 – Present)

• Lead and manage 3 concurrent Healthcare and Insurance projects end to end, running requirement elicitation through stakeholder interviews, workshops, and brainstorming sessions with Product Owners, Business Users, Developers, QA, and Architects, using Teams AI features to capture notes and action items, and translating findings into BRD, FRD, SRS, user stories, and acceptance criteria that carry through to build and test.
• Develop project plans, define scope, and monitor execution against AS-IS and TO-BE process flows, leading Gap and Impact Analysis across Healthcare claims/eligibility and Insurance policy/underwriting workflows, informing roughly 15 process improvements over the past year while keeping delivery aligned to business objectives.
• Gather and document requirements for Insurance Policy Administration — issuance, endorsements, renewals, cancellations, reinstatements, underwriting, FNOL, and claims processing — allocating resources and tracking milestones across the workstream to keep delivery on schedule.
• Support Healthcare applications covering patient registration, scheduling, billing, reporting, and HIPAA-compliant claims processes, and analyze REST API requirements using JSON and XML payloads.
• Define business rules for insurance fraud detection with data science teams, covering risk scoring, anomaly detection, and predictive analytics, proactively identifying risk and flagging suspicious claims earlier in the review cycle.
• Validate business data with SQL-based reconciliation across source systems, catching mismatches before they surface downstream in reporting or claims processing.
• Build Power BI and Advanced Excel dashboards and PowerPoint decks on claims turnaround, eligibility, and underwriting KPIs for daily, weekly, and monthly leadership cadences, using Power Automate to refresh and distribute reports on schedule, driving data-driven decision-making and replacing ad-hoc status updates with a shared, always-current view for operations leadership.
• Use Microsoft Copilot to accelerate first drafts of BRD/FRD sections and status decks, and build lightweight Power Apps trackers for requirement and defect status, freeing up time for stakeholder analysis.
• Own SIT and UAT cycles end to end — writing test scenarios, reviewing test cases, triaging defects, and validating business functionality before release.
• Run Agile Scrum ceremonies (sprint planning, daily stand-ups, backlog grooming, retrospectives) and track backlog items in JIRA, collaborating cross-functionally with business and technical teams to manage risks and unblock production across multiple workstreams.
• Prepare release documentation and knowledge-transfer materials in SharePoint and OneDrive, keeping delivery records audit-ready and aligned to governance and compliance standards.

B.Tech in Chemical Engineering – UPES Dehradun (2023)