JJ
BFSI · Fintech · Lending

Jithin Johnson — Product & Business Analyst

Business Analyst and Project Management professional with 4.4 years of experience in Banking, BFSI, and Fintech domains. Experienced in digital lending implementations, workflow transformation, stakeholder management, Agile delivery, and end-to-end project coordination across business and technology teams.

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Jithin Johnson
4.4 yrs · BFSI
01 — About

A few notes.

I help banks and fintechs translate messy business reality into clean, shippable digital lending products.

I specialize in digital lending journeys, Loan Origination System (LOS) implementations, workflow transformation, and banking process optimization within BFSI and Fintech environments.

Over the years, I have worked closely with Operations, Risk, Compliance, IT, Engineering, and vendor teams to deliver scalable digital solutions aligned with business objectives and customer experience goals.

My experience includes requirement gathering, BRD/FSD preparation, UAT, Agile delivery, stakeholder management, API integration coordination, project monitoring, and implementation tracking across lending and digital transformation initiatives.

4.4+Years across BFSI & Fintech
10+Lending journeys shipped
3,400Branches supported nationally
500+Dealer network coverage
02 — Experience

Where I've worked.

01Mar 2025 — Present· Chennai, Tamil Nadu, India

Assistant Product Manager — Digital Initiatives

IndusInd Bank Limited
  • Leading affordable housing lending journey implementations and workflow transformation initiatives.
  • Managing requirement gathering, UAT, stakeholder coordination, implementation tracking, and project delivery activities.
  • Collaborating with Operations, Risk, Compliance, IT, Engineering, and vendor teams for digital lending enhancements.
  • Supporting Agile delivery, API integration coordination, and project monitoring activities.
02Sep 2023 — Feb 2025· Chennai, Tamil Nadu, India

Deputy Manager — Products

Hotfoot Technology Solutions
  • Worked on secured & unsecured LOS implementations for Small Finance Banks and NBFCs.
  • Prepared BRDs, FSDs, user stories, process flows, and workflow documentation.
  • Coordinated Agile delivery activities with business, development, QA, and client teams.
  • Led business analysis activities for a vehicle financing marketplace platform integrating multiple banking partners.
  • Supported ISO 27001 implementation through process documentation and audit coordination.
03Feb 2022 — Sep 2023· Kochi, Kerala, India

Assistant Manager — Product

Muthoot Capital Services Limited
  • Supported retail financing products, onboarding workflows, and process enhancement initiatives.
  • Managed wireframing, BRD creation, MIS reporting, and business coordination activities.
  • Worked closely with dealer networks and branch operations teams across India. 
03 — Projects

Selected work.

P/012025 — Present

Affordable Housing Journey Implementation

Leading implementation activities for affordable housing lending journeys, including workflow validation, UAT, stakeholder coordination, and implementation tracking.

P/022023 — 2025

Digital Lending Journeys (LOS) Implementation

Implemented secured and unsecured Loan Origination System journeys for Small Finance Banks and NBFCs.

P/032023 — 2024

Vehicle Financing Marketplace Application

Led business analysis and workflow design activities for a financing marketplace integrating multiple banking partners for two-wheeler and used-car loan offerings.

P/042020 — 2021

NAAC Website Development & Implementation

Developed and implemented a NAAC-compliant institutional website aligned with digital process standards and organizational requirements.

04 — Toolkit

Skills & tools.

Core capabilities

Project Management
Project CoordinationDelivery ManagementTimeline TrackingSDLCAgile & Waterfall MethodologiesRisk & Issue Tracking
Business Analysis
Requirement GatheringBRD/FSD DocumentationWorkflow AnalysisUser Story CreationProcess Mapping Impact Analysis 
BFSI & Lending
Digital LendingLOS ImplementationAffordable Housing JourneySecured & Unsecured Business LoansRetail FinancingPortfolio Management

Tools & tech

Project & SprintMS Project · JIRA · Confluence
API & TestingPostman · SQL · Databricks
WireframingDraw.io · Balsamiq · ChatGPT
Design & DocsCanva · MS Office · Excel · PowerPoint

Certifications

Certified Scrum Product Owner (CSPO)
Business Analysis Foundations

Education

2020 — 2022

Master of Business Administration (MBA)

DC School of Management & TechnologyOperations & Marketing
2017 — 2020

Bachelor of Commerce (B.Com)

Henry Baker College, MelukavuCo-Operation
2018-2019

Diploma - PDSL

Henry Baker College, MelukavuProfessional Diploma in Shipping & Logistics Management
06 — Recommendations

What people say.

What colleagues, managers, and partners have said about working with me on LinkedIn.

05 — Contact

Let's talk.

Open to opportunities in Project Management, Business Analysis, Digital Transformation, and BFSI Technology initiatives.