Vishal Pathak

About Vishal Pathak

Agile Product Owner and Business Analyst with 17 years of extensive experience driving digital transformation, regulatory compliance, and client lifecycle modernization in banking, payments, and financial services. Certified CSPO and ICP-APO, skilled at defining product vision, managing global cross-functional teams, and delivering customer-centric digital platforms that accelerate onboarding, improve compliance, and mitigate risk.Proven track record working across Europe, Asia, and the U.S. delivering impactful solutions in KYC, CDD, AML, FATCA, and digital banking. Recognized for strategic clarity, stakeholder alignment, and fostering Agile product culture in complex environments.Core CompetenciesAgile Product Ownership: Product Vision, Roadmap Planning, Sprint Management, Backlog Refinement, Definition of Ready/Done, Agile MetricsBusiness Analysis: Advanced Requirements Gathering, Functional & Non-Functional Specs, User Stories, Acceptance Criteria, Process Mapping, UAT OwnershipBanking & Financial Domain: Client Lifecycle Management, KYC/eKYC, CDD, AML, Regulatory Compliance, Risk Management, Payments (SEPA, SWIFT), Capital MarketsUser Experience: Collaborating with UX/UI for intuitive workflows, wireframes, and accessible designsStakeholder Management: Multi-level Communication, Change Management, Risk Mitigation, Training EnablementTools: JIRA, Confluence, Azure DevOps, MS Office, VisioProfessional HighlightsSpearheaded digital onboarding and due diligence transformation at Standard Chartered, boosting process efficiency by 40% and reducing verification time by 50%Led development of multi-jurisdictional KYC onboarding solutions for ING across Europe, improving delivery velocity by 25% through cross-border collaborationAutomated manual CDD/KYC workflows, achieving significant rework reductions and faster customer onboarding timesDelivered mortgage servicing and payment module modernization aligned with global compliance standards and user experience enhancementsManaged agile teams and product backlogs for digital banking, CRM, and financial platforms across multiple organizations, consistently achieving sprint commitments and improving delivery quality

Experience

1. Product Owner

   Standard Chartered

   Jul 2021 — Present · Bangalore Urban, IN

   Agile Transformation | Digital Banking | Product Management

Education

• T.N.RAO INSTITUTE OF MANAGEMENT RESEARCH & TECHNOLOGY & B.ED.COLLEGE-RAJKOT

  Bachelor of Business Administration (B.B.A.), Information Technology

  2002 — 2005

• The University of Findlay

  Masters, Business Adminstration

  2007 — 2008

Skills

• Business Requirements
• Testing
• Sharepoint
• Wireframes
• Frd
• Sql
• Visio
• Manual Testing
• Rational Rose
• Software Project Management
• Requirements Analysis
• Rup Methodologies
• Microsoft Office
• Activity Diagrams
• Functional Specifications
• Agile & Waterfall Methodologies
• Business Analysis
• Software Development Life Cycle (Sdlc)
• Test Planning
• Test Scenarios
• Test Cases
• Scrum
• Sdlc
• Requirements Management
• Brd
• Use Case Diagrams
• Systems Analysis
• Use Case Analysis
• Quality Assurance
• Requirements Gathering
• Outlook
• Mainframe Testing
• System Requirements