Prakash Marri

Credit Implementation Lead with 4+ years of experience in FinTech product deployment, Credit Policy Automation, and Business Rule Engine (BRE) implementations across Tier-1 global and domestic banking clients. Specialist in end-to-end SDLC management, translating complex underwriting guidelines into executable system-level rule configurations, optimizing workflow processes, and analyzing application-level rules for risk and performance. Proven track record of reverse-engineering legacy code into configurable business rules, guiding traditional banks through digital decisioning adoption, driving strict governance, and leading Agile ceremonies.

Collaborates closely with Product Managers to co-design decision engine features and leads a team of 5 analysts across multi-client engagements.

Associate Senior Business Analyst / Credit Implementation Lead at Jocata Financial Advisory & Technology Pvt. Ltd. (2021-07 – Present)

• SDLC & Implementation Ownership: Lead end-to-end SDLC lifecycles for credit policy implementations across global and domestic banks, translating complex credit policies into system-level BRE rule logic, workflow behaviors, and decision engine execution paths.
• Application Rule Analysis & Optimization: Conduct deep-dive analysis of application-level rules, decision outputs, and workflow paths; optimize lending process workflows to eliminate operational bottlenecks and improve decisioning efficiency.
• Agile Leadership & Team Management: Lead and mentor a team of 5 implementation analysts across multiple concurrent client engagements; facilitate all Agile ceremonies and coordinate cross-functional release dependencies.
• Product Management Collaboration: Partner directly with internal Product Managers to define, design, and validate new feature capabilities for the Decision Engine platform—enhancing BRE system flexibility and rule execution logic.
• Legacy System Migration: Specialize in analyzing undocumented legacy client frameworks, e.g., converting hardcoded JavaScript rules into clean, system-configurable decision engine parameters.
• Digital Transformation Advisory: Act as a trusted implementation advisor for traditional banking clients transitioning to digital decisioning, guiding risk teams on rule structures, eligibility logic, and BRE best practices.
• Change Control & Policy Governance: Establish and enforce strict change management and governance protocols for rule updates; maintain audit documentation, version histories, and compliance sign-offs.
• System-Level Rule Configuration: Translate complex underwriting guidelines — multi-tier eligibility, GST calculations, dynamic limit rules, risk segmentation — into configurable decision logic using SQL and JEXL.
• Full Deployment Lifecycle: Manage the complete deployment pipeline — system configurations, SIT/UAT validation, release readiness, client sign-offs, and production deployments.
• Production Support & RCA: Provide post-production operational support; conduct Root Cause Analysis on production issues, edge-case policy bugs, and rule logic defects for rapid resolution.
• Turnaround Time (TAT) Acceleration: Delivered significant TAT improvements across multiple banking and fintech clients by re-engineering legacy, process-by-process manual underwriting into automated BRE-driven decisioning — reducing loan approval and disbursal cycles from several days to under an hour for STP-eligible applications.

MBA in Business Analytics – University of Hyderabad (2019 – 2021)

B.Com in Computers – Mahatma Gandhi University (2015 – 2018)