Ashrata User
@ashratauser
Business Analyst with 14+ years in fintech payments and Agile delivery—translating complex requirements into sprint-ready stories.
What I'm looking for
I’m a Business Analyst with 14+ years in financial services, card payments, and Agile product delivery. I’ve built hands-on domain expertise in card authorization, transaction switching, ISO 8583, EFT flows, and issuing/acquiring systems through direct banking engagement at Axis Bank and Kotak Bank.
I’ve owned multi-program backlogs and delivered on-time across cross-functional Agile teams by turning complex business requirements into epics, user stories, and acceptance criteria. At Heady Technologies, I managed end-to-end product ownership for multiple international client domains, improved sprint predictability and delivery throughput by 25–30%, and helped drive release quality through structured backlog management and Definition of Done enforcement.
Experience
Work history, roles, and key accomplishments
Staff Engineer - BA
Heady Technologies
May 2018 - Aug 2025 (7 years 3 months)
Owned end-to-end product backlogs for 4 global client programs, translating requirements into sprint-ready epics, user stories, and acceptance criteria. Improved sprint predictability and delivery throughput by 25–30% through structured backlog management and proactive cross-team dependency resolution.
Senior QA & Business BA
Tejora Technologies
Mar 2014 - May 2018 (4 years 2 months)
Conducted business analysis for card payment platforms at Axis Bank and Kotak Bank, validating authorization-to-settlement transaction lifecycles and reconciliation workflows. Implemented QA automation that cut manual testing effort by 50% and reduced defect resolution time by ~30%.
Validated data flows, system integrations, and reports across multi-system healthcare environments to ensure accuracy between upstream and downstream systems. Maintained CI/CD-integrated bug reporting and automated regression test scripts aligned with US regulatory and quality standards.
Financial QA & Testing
Angel Broking Pvt Ltd
Mar 2010 - Sep 2011 (1 year 6 months)
Executed functional, integration, and regression testing for regulated stock broking and wealth management web and mobile applications. Partnered with IT and business teams to analyze processes, support compliant feature validation, and maintain audit documentation.
Education
Degrees, certifications, and relevant coursework
Scrum Alliance
Certified ScrumMaster (CSM), Agile/Scrum
Completed the Certified ScrumMaster (CSM) certification through Scrum Alliance.
GasQ Certification
Certified Tester (GasQ), Software Testing
Completed the GasQ Certified Tester certification.
Google Languages (English, German), Language Proficiency
Language proficiency via Google: English (fluent) and German (limited working proficiency).
Google AI Essentials, Artificial Intelligence
Completed Google AI Essentials training.
University of Mumbai
Bachelor of Science (B.Sc.), Computer Science
Earned a B.Sc. in Computer Science from the University of Mumbai.
ISTQB
ISTQB Foundation Level (CTFL), Software Testing
Completed ISTQB Foundation Level (CTFL) certification.
Availability
Location
Authorized to work in
Social media
Job categories
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