sandhya sasidharan

Product Owner and Business Analyst with 13+ years of experience delivering digital, credit, and risk transformation programs in global Banking and Financial Services. Experienced in defining product strategy, building roadmaps, managing complex backlogs, and leading end-to-end delivery in Agile environments. Strong in converting business needs into clear user stories, improving workflows, and supporting data governance and regulatory compliance. Skilled in stakeholder management, risk assessment, and data-driven decision-making. Expertise includes the full credit lifecycle, Basel III/IV, RWA calculators, lending automation, core banking systems, and enterprise data integration.