Sagar Kharat

Results-driven Business Analyst with 5+ years of experience specializing in end-to-end delivery of new product launches, system enhancements, and complex business initiatives. Proven track record of BRD/CRD authoring, UAT ownership, and cross-functional stakeholder management across operations and technology teams — with hands-on experience driving digital transformation and process improvement alongside regulatory change delivery. Consistently achieves on-time go-live with zero post-launch critical defects through strong requirement validation and structured solution integrity across the full delivery lifecycle.

Deputy Manager – Business Analysis & IT Projects at ManipalCigna Health Insurance (2024-04 – Present)

• Owned end-to-end delivery across new product launches, system enhancements, digital transformation initiatives, process improvement projects, and regulatory changes — achieving on-time go-live with zero post-launch critical defects across all releases.
• Authored and maintained 20+ BRDs and CRDs ensuring 100% traceability from business need to technical implementation, with full stakeholder sign-off at each milestone.
• Led requirement gathering and analysis for new business initiatives in collaboration with the Product team (Product Managers and Product Owners); partnered with Legal, IT, and Operations teams to translate complex requirements into actionable process changes.
• Designed and executed comprehensive UAT plans; collaborated with business users to review and validate scenarios, drive defect resolution with IT, and ensure readiness for go-live — reducing post-release production incidents by ~30%.
• Developed end-user training materials and conducted onboarding sessions across multiple rollouts, reducing post-launch support queries by ~25% within the first month.
• Performed structured impact analysis on change requests, delivering prioritization recommendations to senior stakeholders that minimized scope creep and improved delivery predictability.

Business Analyst / QA Engineer at Planit Testing (Client: ManipalCigna Health Insurance) (2022-08 – 2024-03)

• Partnered with 10+ business users to elicit, document, and validate requirements for policy servicing and enrollment modules; converted requirements into structured acceptance criteria aligned to BRDs and CRs.
• Conducted impact analysis on 30+ change requests, identifying downstream dependencies and flagging conflicts before development — reducing rework effort and delivery risk significantly.
• Supported UAT and REST API testing (Postman) across 5 major system releases; facilitated issue triage with IT teams, tracked defect resolution, and coordinated sign-off to prevent critical issues from reaching production.
• Reviewed BRDs and CRDs for clarity, feasibility, and completeness; resolved 60+ requirement ambiguities pre-development through collaboration with developers and business owners.
• Maintained detailed defect logs in JIRA and facilitated triage meetings, reducing average defect resolution time by 20%.

Software Tester at Quess Corp Limited (Client: HDFC ERGO) (2021-12 – 2022-08)

• Prepared test cases and test summary reports for 10+ change requests monthly, covering functional, regression, and sanity cycles across insurance policy and claims workflows.
• Managed full defect lifecycle — logging, tracking, and coordinating resolution — achieving timely sign-off across 4 product areas within agreed delivery timelines.

Quality Analyst at APEX Services (Client: Accenture) (2020-11 – 2021-12)

• Executed functional, regression, and smoke test cases; identified and reported 80+ bugs with detailed reproduction steps, achieving timely resolution with development teams.
• Built and maintained automated test scripts in Java, converting 40+ manual test cases into automated regression suites — reducing regression cycle time by ~35%.

Master of Science in Information Technology – University of Mumbai (2019-01 – 2021-12)

Bachelor of Science in Information Technology – University of Mumbai (2016-01 – 2019-12)