BHARTI TOSHAKHANI SAPRU
Dubai
Summary
Results-driven Business Analyst with over 15 years of expertise in core banking operations, credit workflows, and system enhancements within prominent UAE banks. Demonstrates strong proficiency in FLEXCUBE-aligned processes, including BRD/FS documentation, UAT, gap analysis, and parameterization. Skilled in translating complex business needs into actionable system requirements while optimizing workflows and supporting comprehensive end-to-end implementation lifecycles. Possesses a deep understanding of Acquire-to-Retire, Record-to-Report, lending practices, collateral management, and regulatory compliance, ensuring alignment with industry standards and best practices.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Senior Officer – Secured Lending Operations (Core Banking & Documentation)
First Abu Dhabi Bank (FAB)
01.2022 - Current
- Supported core banking workflows (CAS, LMS, T24, CRM) aligned with FLEXCUBE lending modules.
- Conducted gap analysis on lending/documentation processes; recommended system and workflow improvements.
- Prepared BRDs/FS for enhancements related to secured lending and IPO processing.
- Executed UAT, validated system behavior, logged defects, and ensured alignment with business requirements.
- Ensured accurate parameterization of loan details (rates, fees, schedules) in core banking systems.
- Led IBOR transition, coordinating with IT and business teams for system updates.
- Reduced documentation exceptions by 25% through process redesign and root cause analysis.
- Ensured compliance with UAE Central Bank regulations and audit standards.
Processing Specialist – Credit Operations (Core Banking Enhancements)
Emirates NBD Bank PJSC
01.2007 - 01.2020
- Collaborated with IT to define business requirements for core banking enhancements.
- Created BRDs, FS documents, SOPs, and process maps for lending, collateral, and syndication modules.
- Conducted UAT for new releases and integrations; validated functionality and ensured readiness.
- Performed gap analysis between system capabilities and business needs; recommended solutions.
- Supported parameterization of credit facilities, limits, covenants, and collateral details.
- Participated in major mergers and system integrations, validating data migration and process alignment.
- Managed onboarding, limit loading, exposure monitoring, and documentation control.
Education
Bachelor of Electrical Engineering -
Pune University
Skills
- FLEXCUBE Core Banking Processes
- BRD / FRD / FS Documentation
- Gap Analysis & Solution Mapping
- Parameterization & Configuration Support
- UAT Planning, Execution & Defect Tracking
- Acquire-to-Retire (A2R) / Record-to-Report (R2R)
- Credit & Lending Operations
- Collateral & Documentation Management
- Workflow Optimization & Process Re-engineering
- Stakeholder Management (Credit, Ops, IT, Legal)
- Compliance & Audit Alignment
Accomplishments
- Reduced documentation exceptions by 25% through process optimization.
- Awarded 2 GEM Awards for operational excellence.
Certification
- JAIIB – Indian Institute of Banking & Finance
- Blockchain & Business Analyst Certification
- IFRS 9 – Impact on Wholesale Banking
- Certified Associate Program (CAP)
Languages
Hindi
Bilingual or Proficient (C2)
hind
Work Preference
Work Type
Full TimeLocation Preference
RemoteTimeline
Senior Officer – Secured Lending Operations (Core Banking & Documentation)
First Abu Dhabi Bank (FAB)
01.2022 - Current
Processing Specialist – Credit Operations (Core Banking Enhancements)
Emirates NBD Bank PJSC
01.2007 - 01.2020
Bachelor of Electrical Engineering -
Pune University