Ragul Raj

• Client : Commercial Bank of Dubai
• Project: Digital Agile Squad - Customer onboarding and KYC
• Led end‑to‑end delivery of digital onboarding journeys, improving customer acquisition speed and experience.
• Owned the KYC product roadmap, ensuring alignment with regulatory requirements (CDD, EDD, AML).
• Defined and prioritized user stories, acceptance criteria, and backlog items for onboarding and KYC modules.
• Collaborated with compliance, risk, operations, and technology teams to ensure audit‑ready product releases.
• Implemented automation for document verification, OCR, facial recognition, and risk scoring.
• Leveraged customer feedback, analytics, and funnel drop-off insights to identify and implement continuous improvements.
• Coordinated vendor integrations for identity verification, AML screening, and digital signature providers to enhance onboarding efficiency.
• Conducted end-to-end UAT, ensuring production readiness and monitoring post-launch performance for onboarding journeys.
• Delivered features using Agile/Scrum, working closely with squads, designers, and engineers.
• Improved onboarding completion rates through UX enhancements, simplified flows, and friction removal.

Client : Commercial Bank of Dubai

Project : Digital Transformation of Customer Onboarding for Asset and Liability Products Across Mobile and Branch Channels

• Managed backlog prioritization, ensuring alignment with business goals and stakeholder expectations.
• Implemented Agile methodologies to increase team productivity and enhance overall project outcomes.
• Collaborated with cross-functional teams to develop high-quality products that met customer needs.
• Developed comprehensive roadmaps outlining the product vision, goals, and milestones for successful execution.
• Collaborated with engineering teams on technical feasibility assessments, resulting in realistic scope definition for projects.
• Owned and prioritized product backlog.

Project : Migration of Retail Mobile and Online Banking Applications to the Flutter Platform

Client : Commercial bank of Dubai

• Collaborated with business stakeholders to gather comprehensive business requirements, ensuring alignment with objectives for new software features and system enhancements.
• Translated high-level business needs into clear Epics, Features, and User Stories for implementation by development teams in an agile environment.
• Worked with the Scrum Master and Product Owner to prioritize and break down complex requirements into smaller, actionable tasks that aligned with business goals.
• Led creation of detailed Feature Specifications, defining scope, functionality, and expected outcomes in collaboration with cross-functional teams.

• Developed and executed manual and automated test cases for app functionality, performance, and security validation.
• Led testing efforts for retail banking mobile application, achieving high-quality, bug-free releases.
• Collaborated with business analysts, developers, and product owners to clarify business requirements and ensure testing alignment.