Anulakshmy Binil Nair
Ontario
Summary
Over 14 years of experience in Banking, Telecom, and IT, including 5+ years of specialized experience in Business Analysis, covering requirements gathering, process documentation, and collaboration on successful project implementations. Currently working as a Business Analyst (2023–present) in the Corporate Security, CSBI Reporting Team at Bell Canada. Certified Business Analyst from the University of Toronto. Completed the Agile Management Framework (AMF) Practitioner’s Primer Program. Former Business Analyst in CM&R External Business Automation & Infrastructure, National Office, Risk Operations at Royal Bank of Canada.
Overview
15
15
years of professional experience
Work History
Business Analyst
Bell Canada
05.2023 - Current
- Serve as the primary liaison between business stakeholders and development teams, gathering and refining data reporting requirements.
- Create detailed Business Requirement Documents (BRDs), process documentation, and use cases to guide ETL and Tableau development.
- Manage the intake of new data reporting requests through the “Front Door” process, ensuring clarity, feasibility, and alignment with security reporting standards.
- Maintain Confluence documentation for all data product requirements, enabling seamless handoffs to ETL and Tableau developers.
- Collaborate with cross-functional teams to define data needs, KPIs, and user expectations for security-focused reporting solutions.
- Work with the data team in sprints to build intuitive, interactive Tableau dashboards either based on mock-ups or through creative, original design approaches.
External Automation Manager, Credit Management and Recoveries
Royal Bank of Canada
11.2021 - 01.2023
- Collaborate with stakeholders across departments to understand their needs and requirements.
- Develop business requirement documents, processes, workflows, and functional test plans for new initiatives and optimizations.
- Translate business requirements into technical specifications in coordination with software development teams.
- Analyze data and identify trends to support informed business decisions.
- Create dashboards and reports to clearly communicate insights to stakeholders.
- Work closely with cross-functional teams to ensure alignment and collaboration.
- Present comprehensive recommendations and work with the team to minimize risks, timelines, and costs for the overall project.
- Oversee the change management and implementation process.
- Support the IT team in resolving production incidents as needed.
- Conduct UAT and regression testing of new functionality to ensure it meets business requirements.
Business Data Analyst- Business Infrastructure & Automation Support
Royal Bank of Canada
11.2020 - 11.2021
- Responsible for the successful upload and reconciliation of agent activities supporting the Collections National Office.
- Ensure data transfer integrity through accurate reconciliation, quality analysis, formatting, uploading, error resolution, and operational support to minimize error rates.
- Provide site support for change requests and investigations while contributing business analytics aligned with Collections' current goals and objectives.
- Support and administer electronic data transfers across applications (CASPER, CACS, TS2, ELEMENTS, OLBB, OLMS, DDA, SRF, Sales Platform, Synergy, Content Manager, D&H/Teranent Search, Collection Highway, Bankruptcy Highway, Repo Highway, Document Highway, and Payment Highway) and utilize for daily tasks effectively.
- Ensure transparency of APIs and Robotics across systems.
- Conduct business analytics to support data-driven decisions.
- Liaise with system and technology teams to provide application support.
Resolution Associate
Royal Bank of Canada
10.2016 - 11.2020
- Engage delinquent customers to determine the reasons for overdue payments, review contracts, analyze financial situations, and offer the best payment solutions to bring accounts up to date.
- Mitigate risk by revoking credit and/or capping RCL based on the client’s payment history and account delinquency.
- Meet monthly and quarterly collection targets by locating and monitoring overdue and delinquent accounts using internal software.
Credit Collections Consultant
Rogers Communications
03.2013 - 10.2016
- Locate and monitor overdue and delinquent accounts using internal software (ICM Maestro, SGI, Vision-21, and Genesys) and customer records.
- Analyze and establish credit limits for new customers based on their credit ratings; adjust existing limits by identifying delinquencies and broken payment arrangements.
- Investigate and estimate liabilities on delinquent accounts and recommend appropriate legal actions; perform write-offs when required.
Credit Collections Agent
TCR (Total Credit Recovery)
03.2012 - 02.2013
- Analyze customers’ financial situations and suggest appropriate options and solutions for debt repayment.
- Resolve billing disputes and correct account inconsistencies.
- Update client records with the most current data.
- Prepare documentation and maintain status reports related to collection activities.
Credit Collections Agent
IQOR Holdings
01.2011 - 02.2012
- Manage inbound and outbound calls related to account reconciliation and collections.
- Investigate customer accounts to locate and monitor delinquent activity.
- Analyze receivables data and generate aging reports with historical due amounts.
- Resolve payment discrepancies and prepare adjustment reports.
Education
M.Sc. (Master of Science), B.Ed. (Bachelor of Education) -
University of Chennai
IndiaCertified Business Analyst - undefined
University of Toronto
01.2019
Skills
- Business requirements gathering in Retail & Personal Lending (eg, mortgages, loans, credit cards, line of credit etc)
- Strong knowledge of process flow diagrams, use cases, user stories, data dictionaries, data mapping, and Agile methodologies
- Project management and implementation experience
- Proficient in various data analysis tools/techniques, UAT and regression testing
- Tools: Tableau, JIRA, Confluence, Visio, Gliffy, Lucidchart, SQL, Excel, PowerPoint, SharePoint
- Extensive hands-on experience with RBC systems (eg, CACS, CASPER, OLBB, TS2/TSYS, Sales Platform, IRIS, CART, COMPASS, DDA, CM, CIS, ASPECT, ORIGENATE, URFIQ, Elements, Collection Highway, Bankruptcy Highway, Repo Highway, Document Highway, Payment Highway etc)
Accomplishments
- Received Q1 2023 Royal Performance and CLA nomination.
- Rogers Top Ranked Specialty–Toronto in 2014 Q2 for the contributions to credit operations in Q1 & Q2. Designated member of 2014 VP Club.
- Recognized as Top collector of 2013 in High Balance department at Rogers.
Timeline
Business Analyst
Bell Canada
05.2023 - Current
External Automation Manager, Credit Management and Recoveries
Royal Bank of Canada
11.2021 - 01.2023
Business Data Analyst- Business Infrastructure & Automation Support
Royal Bank of Canada
11.2020 - 11.2021
Resolution Associate
Royal Bank of Canada
10.2016 - 11.2020
Credit Collections Consultant
Rogers Communications
03.2013 - 10.2016
Credit Collections Agent
TCR (Total Credit Recovery)
03.2012 - 02.2013
Credit Collections Agent
IQOR Holdings
01.2011 - 02.2012
Certified Business Analyst - undefined
University of Toronto
M.Sc. (Master of Science), B.Ed. (Bachelor of Education) -
University of Chennai