ANNETTE KOTTAYATHUKAREN
@annettekottayathukar
Senior business consultant and analyst specializing in RegTech compliance, CRM implementations, and audit-ready solutions.
What I'm looking for
I’m a techno-functional Business Consultant and Business Analyst with 11 years of end-to-end BFSI delivery across Europe and APAC. I translate complex regulatory and business requirements into functional specifications, SOWs, and system solutions that teams can execute with confidence.
My core strength is MiFID II, MAR, and AML compliance platforms—turning regulatory logic into workflows, documentation, and production-ready configurations. I lead stakeholder workshops from C-level to operations, produce BA artefacts (BRDs, user stories, process maps, traceability matrices), and steer SIT/UAT and defect management to minimize post-go-live issues.
I’ve delivered 10+ BFSI transformation programs and consistently hit quality KPIs (95%+), with CRM adoption reaching 90%+ within 4 weeks of go-live. I also standardize BA documentation to reduce rework and author detailed SOWs that align Sales and delivery expectations—bridging pre-sales scope to delivery reality.
Experience
Work history, roles, and key accomplishments
Capital Markets Compliance BA
B-Next GmbH
Apr 2023 - Feb 2026 (2 years 10 months)
Led MiFID II, MAR, and AML compliance business analysis, delivering 4+ regulatory implementations for European banking clients. Translated regulatory requirements into functional specifications, ran SIT/UAT for audit-ready production releases, and authored SOWs; standardized BA documentation to reduce rework by 80%.
Business Consultant - RegTech
B-next GmbH
Apr 2023 - Feb 2026 (2 years 10 months)
Led business analysis for MiFID II, MAR, and AML compliance projects, delivering 4+ regulatory implementations and translating requirements into functional specifications and workflows. Increased trade surveillance data quality by 70%, standardized BA documentation to reduce rework by 80%, and led SIT/UAT to improve regulatory production readiness.
NPS Platform Requirements Lead
Tata Aia Life Insurance
Jul 2022 - Dec 2022 (5 months)
Owned end-to-end requirements design for a Net Promoter Score (NPS) tracking platform, enabling real-time customer satisfaction measurement across 8 business units. Delivered the full requirements lifecycle within a 6-month engagement by coordinating product and technical stakeholders.
Manager - NPS Requirements
Tata Aia Life Insurance
Jul 2022 - Dec 2022 (5 months)
Owned end-to-end requirements design for an NPS tracking platform, defining functional specifications, use cases, and user stories for real-time customer satisfaction across 8 business units. Delivered the full requirements lifecycle within a 6-month engagement by coordinating product and technical stakeholders.
B2C Trading BA & Product Lead
Cloudesign Technology
Jun 2021 - Jun 2022 (1 year)
Led requirements gathering and documentation for a B2C trading platform, including payment and verification integrations. Managed Jira product backlog across 3+ Agile streams and delivered 90% on-time execution; redesigned ESOP workflow to reduce process friction and improve delivery governance by 70%.
Project Manager - Trading Platform
Cloudesign Technology
Jun 2021 - Jun 2022 (1 year)
Led requirements gathering and documentation for a B2C trading platform, including payment and document verification integrations. Managed product backlog and Jira-based agile execution across 3+ streams, achieving 90% on-time delivery, supporting IT audits, and redesigning ESOP workflows to reduce process friction by 70%.
Microsoft Dynamics 365 CRM Consultant
Ernst & Young Global Consulting Services
Jun 2018 - May 2021 (2 years 11 months)
Team-led Microsoft Dynamics 365 CRM implementations for banking and insurance clients, designing optimized customer and policy/service/engagement flows that improved process automation by 50%. Coordinated UAT, defect management, and user adoption programs, and produced end-to-end scoping documents for 4 BFSI clients.
CRM Consultant - Microsoft Dynamics
Ernst & Young Global Consulting Services
Jun 2018 - May 2021 (2 years 11 months)
Led Microsoft Dynamics 365 CRM implementations for banking and insurance clients, designing customer and policy lifecycle flows and optimizing process/automation by 50%. Managed end-to-end UAT, defect resolution, and user adoption to improve release quality, while producing BA artefacts and scoping documents for 4 BFSI clients to support delivery-ready proposals.
CRM Implementation & BA Lead
Acidaes Solutions Pvt Ltd
Oct 2014 - May 2018 (3 years 7 months)
Delivered 10+ CRM implementations for BFSI clients, leading requirements elicitation, as-is/to-be process mapping, UAT coordination, and defect management. Redesigned customer service workflows for four clients to reduce operational friction and improve post–go-live user adoption outcomes.
Senior CRM Consultant - BFSI
Acidaes Solutions Pvt Ltd
Oct 2014 - May 2018 (3 years 7 months)
Delivered 10+ BFSI CRM implementations including greenfield deployments by performing requirements elicitation, as-is/to-be process mapping, UAT coordination, and user adoption programmes. Improved operational workflows by redesigning customer service processes for multiple clients and produced scoping documents defining phased timelines, milestones, and role-based effort estimates.
Education
Degrees, certifications, and relevant coursework
ServiceNow University
ServiceNow Administration Fundamentals, ServiceNow
ServiceNow Administration Fundamentals coursework currently in progress, expected by Q3 2026.
London Stock Exchange Group
LSEG Capital Market & Trading Programme, Capital Markets & Trading
Completed the LSEG Capital Market & Trading Programme with London Stock Exchange Group in 2023.
Mumbai University
Bachelor of Computer Engineering, Computer Engineering
2010 - 2014
Grade: First Class with Distinction
Earned a Bachelor of Computer Engineering from Mumbai University, graduating with First Class with Distinction.
HubSpot Academy
HubSpot Inbound Marketing Certification, Inbound Marketing
2026 -
Completed the HubSpot Inbound Marketing Certification.
London Stock Exchange Group
LSEG Capital Market Certification, Capital Markets
Completed the LSEG Capital Market Certification with London Stock Exchange Group in 2024.
HubSpot Academy
HubSpot CRM Software Certification, CRM Software
Completed the HubSpot CRM Software Certification (expected/completed in 2026).
LinkedIn Learning
Power BI: Dashboards for beginners, Power BI
Completed the course Power BI: Dashboards for beginners (expected/completed in 2026).
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Salary expectations
Social media
Job categories
Skills
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