Sneha Balki

About Sneha Balki

Strategic and analytical Product Owner & Lead Business Analyst with 14+years of experience driving complex technology initiatives and regulatory programs across global banking domains. Proven expertise in delivering business-critical solutions by aligning cross-functional stakeholders, translating business goals into product roadmaps, and ensuring execution with technical excellence.• Product Ownership & Strategy: Lead the vision, strategy, and roadmap for digital products. Collaborate with stakeholders to prioritize features that align with business objectives and maximize ROI.• Business Analysis & Requirements Engineering: Expert in gathering and analyzing business requirements, translating them into detailed functional specifications, and ensuring seamless communication across stakeholders and development teams.• Customer-Centric Product Development: Champion the voice of the customer by leveraging research, data insights, and feedback loops to inform product decisions and enhance user experience.• Technical Collaboration: Work closely with architects and development teams to design robust, scalable, and secure solutions. Skilled in Agile methodologies, RESTful APIs, data modeling, and microservices environments.• Process Optimization & Solution Design: Proven ability to identify inefficiencies, optimize business processes, and deliver end-to-end solutions that drive operational efficiency and scalability.• Leadership & Cross-Functional Team Management: Lead multidisciplinary teams through all phases of the product lifecycle. Provide mentorship and guidance to junior analysts and facilitate collaboration across business, technology, and design functions.• Continuous Improvement & Industry Trends: Dedicated to staying ahead of industry trends, emerging technologies, and best practices to drive innovation and maintain competitive advantage.• Data-Driven Decision Making: Experienced in defining and tracking KPIs, creating dashboards, and leveraging analytics to drive product performance, adoption, and operational health.• Domain Expertise: Deep understanding of fintech, credit underwriting, credit risk and regulatory compliance. Additional exposure to Core banking, Private Banking, Commercial Banking, data privacy, and digital onboarding journeys.

Experience

1. Vice President

   Citi

   Oct 2022 — Present

   Helios Regulatory Credit Risk and Management1. Spearheaded as A Strategic and analytical Product Owner for Credit Risk and Trade platforms.2. Helios - Credit Risk and Management is a Regulatory initiative to build an end to end lending and Credit Risk platform for Global Commercial Market via via PD, LGD, EAD, RWAs.3. Led strategic planning and alignment for the Helios project by collaborating with senior leadership to define and drive product strategies, ensuring alignment with business goals and creating actionable product roadmaps.4. Championed cross-functional collaboration, effectively balancing short-term delivery pressures with long-term product health and innovation.5.Partnered with engineering leads to ensure product compliance with legal, regulatory, and data governance requirements, while mitigating identified risks and delivering with agile best practices at scale.6.Acted as a key liaison between executive leadership, business units, technology teams, and business users to facilitate seamless communication and alignment of project objectives.

Education

• Jeevan Vikas Junior College

  Computer Science

  2005 — 2007

• Kavikulguru Institute of Technology and Science

  Bachelor of Engineering (B.E.), Information Technology

  2007 — 2011