Vinay Modi

Product-focused Business Analyst with an MBA in Finance and domain expertise in BFSI and Fintech, including Treasury and Lending solutions. Experienced in Agile and SDLC frameworks, with a proven ability to manage end-to-end requirements, collaborate with cross-functional teams, and support product development initiatives. Strong foundation in banking operations, compliance, and financial analysis, combined with a passion for building user-centric, high-impact financial products.

Business Analyst – Treasury & Loan Management at Quantum Phinance (2025-08 – Present)

Gather and analyze business requirements to deliver customized Treasury and Loan Management solutions in the BFSI and Fintech domain.

• Gather and analyze business requirements to deliver customized Treasury and Loan Management solutions in the BFSI and Fintech domain.
• Collaborate with stakeholders across treasury, investment banking, and wealth management to align business needs with product capabilities.
• Prepare BRDs, FRDs, user stories, and workflows, ensuring clarity across the SDLC.
• Participate in Agile ceremonies including sprint planning, backlog grooming, and standups to support product development.
• Track project progress and communicate with stakeholders to ensure timely delivery aligned with the product roadmap.
• Provide application support, manage change requests, and assist in user training and audit compliance.
• Conduct functional testing and UAT to validate business scenarios and ensure quality delivery.
• Work with cross-functional teams to improve delivery efficiency and product outcomes.

Assistant Manager (Operations - Lending) at Kotak Mahindra Bank (2024-07 – 2025-08)

Processed and disbursed loans across consumer, commercial, and wholesale segments, ensuring compliance with RBI regulations and internal policies.

• Processed and disbursed loans across consumer, commercial, and wholesale segments, ensuring compliance with RBI regulations and internal policies.
• Validated financial documents and sanction terms to ensure accurate and compliant disbursements.
• Collaborated with cross-functional teams (credit, legal, compliance, treasury) to streamline operations and resolve discrepancies.
• Managed multiple loan products including Term Loans, WCDL, and FCTL/FCDL, strengthening BFSI domain expertise.
• Executed high-value transactions (RTGS, NEFT) with accuracy and timely settlements.
• Prepared MIS reports, reconciliations, and audit documentation to support decision-making and compliance.
• Identified process gaps and recommended improvements to enhance efficiency and reduce manual errors.

Financial Analyst at Fundsroom (2023-04 – 2023-06)

Conducted sector and company research by analyzing financial statements, market trends, and competitive landscapes to support investment insights.

• Conducted sector and company research by analyzing financial statements, market trends, and competitive landscapes to support investment insights.
• Collaborated with senior analysts and portfolio managers to assist in investment strategy development and risk–opportunity assessment in equity markets.
• Participated in training sessions and workshops to strengthen knowledge of equity research, financial markets, and investment methodologies.

MBA in Finance – Lala Lajpatrai Institute of Management, Mumbai (2022 – 2024)

B.A – J. J. College, Jhumri Telaiya (2017-09 – 2020-09)

H.S.C - Science – CH+2 High School, Jhumri Telaiya (2014-05 – 2016-06)