BFSI · Fintech · Lending

Jithin Johnson

Product & Business Analyst with 4.4 years turning banking workflows into shipped software.

See my work Download my resume Get in touch

Kerala, India jithinjohnson@outlook.in +91 95440 35822

4.4 yrs · BFSI

01 — About

A few notes.

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

My day-to-day spans discovery sessions and BRDs, sprint planning, API integration coordination, UAT and the boring-but-critical work of keeping stakeholders aligned across Sales, Credit, Ops, Risk, IT and vendors.

I've worked across SDLC and Agile, in JIRA, Postman and SQL, on Loan Origination Systems for Small Finance Banks and NBFCs, and on affordable housing and vehicle-financing journeys with multiple banking partners.

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, India

Assistant Product Manager — Digital Initiatives

IndusInd Bank Limited

Lead discovery with stakeholders and author BRDs, FSDs, workflow docs and user stories for digital lending products.
Facilitate Agile ceremonies — stand-ups, sprints, backlog reviews — to keep delivery on rails.
Coordinate implementation across Sales, Credit, Ops, Risk, IT, Engineering and vendor teams.
Run UAT, regression and workflow validation pre-deployment; manage defects via JIRA.
Act as SPOC for regional teams; prepare SOPs, training decks and conduct product training.

02Sep 2023 — Feb 2025· Chennai, India

Deputy Manager — Products

Hotfoot Technology Solutions

Gathered requirements for digital lending & LOS implementation through stakeholder workshops.
Produced BRDs, FSDs, user stories, wireframes and process flows for dev/QA teams.
Coordinated API integrations, field mappings and business rule validations with clients.
Supported ISO 27001 implementation through process documentation and audit coordination.

03Feb 2022 — Sep 2023· Kochi, Kerala, India

Assistant Manager — Product

Muthoot Capital Services Limited

Analyzed existing systems, surfaced improvements and reported defects to IT and leadership.
Created wireframes and BRDs for customer onboarding to lift UX.
Managed retail financing products, monitored portfolios and prepared MIS reports.
Supported 500+ dealers and 3,400 branches nationwide.

03 — Projects

Selected work.

P/012025 — Present

Affordable Housing Journey Implementation

Leading affordable housing implementation — requirement gathering, workflow validation, UAT and stakeholder coordination.

P/022023 — 2025

Digital Lending Journeys (LOS) Implementation

Implemented Secured & Unsecured Loan Origination System journeys for Small Finance Banks and NBFCs.

P/032023 — 2024

Vehicle Financing Marketplace Application

Business analysis for a two-wheeler and used-car financing marketplace integrating multiple banking partners.

P/042020 — 2021

NAAC Website Development & Implementation

Delivered a NAAC-compliant college website aligned with institutional and digital process standards.

04 — Toolkit

Skills & tools.

Core capabilities

Project ManagementStakeholder CommunicationCross-functional CollaborationDelivery ManagementSprint PlanningAgile & WaterfallBusiness AnalysisImpact AnalysisWorkflow AnalysisWireframing & Process MappingBRD / FSD DocumentationSIT & UAT TestingProcess ImprovementRisk & Issue TrackingAPI IntegrationsChange ManagementSDLCVendor Management