Sonu Kumar

About Sonu Kumar

I am a Business/Data Analyst with a strong grounding in backend systems and financial technology, experienced in converting business requirements into scalable, data-driven solutions for high-volume banking and payment platforms. My work spans both fintech and traditional banking, giving me a balanced perspective on speed, compliance, and system reliability.I began my journey as a Software Development Intern in the BNPL team at MobiKwik, where I worked on real-time payment flows and backend enhancements. Currently, I work as an Analyst in the Inward Remittance team at ICICI Bank, contributing to the performance, compliance, and risk-control of cross-border payment systems that process large-scale transactions daily. Core Strengths • Business & System Analysis: Converting financial workflows into functional backend logic and APIs. • Data Analytics & Decision Support: Using SQL, Python, and dashboards (Power BI) to track KPIs, improve success rates, and reduce failures in payment pipelines. • Payments & Regulatory Compliance: Hands-on experience with UPI, AML screening (Fircosoft), and fraud detection models (Falcon). • Technical Stack: Java, Spring Boot, Hibernate, SQL, API integrations, microservices, and distributed systems.With domain experience across payments, remittance, and risk, I bring a blend of technical depth, data-driven problem solving, and fintech domain knowledge. I enjoy simplifying complex systems, improving operational efficiency, and driving product decisions using both data and industry logic. Open to roles in Business Analysis, Data Analysis, Product/Fintech Analytics, or Tech-Driven Banking Systems.

Experience

1. Analyst

   ICICI Bank

   Sep 2022 — Present · Hyderabad, IN

   As an Analyst in the Inward Remittance team at ICICI Bank, I support critical financial workflows by analyzing, optimizing, and ensuring the security and efficiency of inward remittance processes. I collaborate with cross-functional teams to streamline operations, reduce risks, and enhance compliance through data-driven insights and system integrations.Key Contributions: • UPI Integration Analysis:Assessed business and technical feasibility of integrating UPI into the remittance flow, enabling real-time credit to beneficiaries. Contributed to defining reconciliation and performance metrics to monitor success and detect anomalies. • 🧾 Pennyless Name Inquiry Optimization:Evaluated and implemented beneficiary validation logic, leading to a significant reduction in transaction failures by accurately analyzing and validating name-match data through pennyless inquiry APIs. • AML Screening via Fircosoft:Worked on the analysis and integration of Fircosoft for automated Anti-Money Laundering (AML) screening. Designed monitoring dashboards and reports to flag suspicious transactions, reducing manual compliance workload. • Fraud Risk Analysis with Falcon:Collaborated with risk teams to analyze transaction behavior and risk parameters using Falcon. Facilitated real-time fraud detection insights improving proactive risk management measures.I regularly work with stakeholders to gather requirements, analyze transaction patterns, and deliver insights that improve operational efficiency and compliance. My experience spans tools and technologies such as SQL, Excel, Power BI, and core banking systems, with a focus on performance, data accuracy, and regulatory alignment.

Education

• National Institute of Technology Jamshedpur

  Bachelor of Technology - BTech, Metallurgical Engineering