Krutika Bongale
Davidson,NC
Summary
Digital Product Manager with over 7 years of experience in delivering enterprise solutions for commercial lending. Expertise in nCino Loan Origination Platform, effectively translating business and regulatory requirements into prioritized product backlogs. Demonstrated ability to collaborate with technology, risk, compliance, and credit teams in Agile environments, ensuring high-impact product features are developed and implemented.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Digital Product Manager (Contractor)
Wells Fargo
Charlotte, USA
- Current
- Support the design, development, and delivery of digital product capabilities aligned to commercial lending product vision and strategy.
- Partner with Product Managers, Engineering, Digital, Risk, Compliance, and Credit teams to translate business and user needs into actionable product requirements.
- Manage and prioritize product backlogs, ensuring delivery of compliant, high-quality features across nCino and integrated lending systems.
- Contribute to product roadmaps, release planning, and dependency management across multiple workstreams.
- Author user stories, acceptance criteria, functional requirements, and supporting documentation covering processes, controls, and risks.
- Demonstrate end-to-end product thinking, assessing upstream/downstream impacts across data workflows and integrated platforms.
- Support Agile execution through backlog refinement, sprint planning, sprint reviews, and post-release validation.
- Collaborate with globally distributed teams across time zones to maintain alignment and delivery momentum.
- Track delivery progress, risks, and outcomes, providing transparent updates to stakeholders.
nCino Business Analyst
Cognizant Technology Solutions
Charlotte, USA
02.2025 - 12.2025
- Delivered end-to-end digital product features on the nCino Loan Origination Platform, supporting commercial lending modernization initiatives.
- Partnered closely with Product, Engineering, Risk, Compliance, and Operations to align product execution with regulatory and business needs.
- Owned requirements documentation including business objectives, process flows, controls, and compliance considerations.
- Managed and refined product backlogs, ensuring readiness for sprint execution and on-time delivery.
- Conducted user research, workflow analysis, and journey mapping to identify gaps and define solution requirements.
- Supported roadmap planning, release sequencing, and impact analysis across integrated systems including AFS Vision and ODS.
- Led UAT coordination and post-release validation to confirm product outcomes and business value.
- Operated effectively within globally distributed Agile teams, maintaining strong stakeholder alignment.
- Mentored junior analysts on Agile practices, documentation standards, and user story writing.
- Banking & Financial Services
Salesforce Product Analyst / Scrum Master
Manulife Financial
11.2023 - 02.2025
- Supported Product Owners with backlog prioritization and sprint execution.
- Facilitated Agile ceremonies and ensured alignment between product goals and technical delivery.
- Improved delivery predictability through dashboards, metrics, and stakeholder demos.
Salesforce Analyst | Agile Team Member
Comcast Business
10.2021 - 10.2023
- Maintained sprint backlogs and translated business requirements into functional Salesforce solutions.
- Partnered with cross-functional teams to improve data accuracy and delivery efficiency.
Salesforce Operational Analyst
V3 Electric
11.2019 - 03.2021
- Gathered business requirements and supported Salesforce operational workflows and enhancements.
- Improved communication and issue resolution across teams.
Education
Bachelor’s Degree - Computer Science / Information Systems
Skills
- Digital Product Management & Execution
- Commercial Lending Lifecycle
- NCino Loan Origination Platform (LOS)
- Backlog Prioritization & Roadmap Contribution
- User Stories & Acceptance Criteria
- Regulatory & Compliance Alignment
- Cross-Functional Collaboration
- Agile
- Scrum
- SAFe
- User Journey Mapping & Workflow Analysis
- Data Workflows & System Integrations
- Sprint Planning
- Refinement
- Release Validation
Certification
- SAFe Scrum Master (SSM)
- Certified Scrum Master (CSM)
- Salesforce Certified Business Analyst
- Salesforce Certified Administrator
- Salesforce Certified Advanced Administrator
- Salesforce Certified Platform App Builder
- Salesforce Certified AI Associate
- NCino Commercial Lending Training – nCino University
Personal Information
Work Permit: Authorized to work in the U.S. (No Sponsorship Required)
Technology Tools
- NCino LOS
- Salesforce Platform
- Jira, Confluence
- SQL (Basic)
- Tableau / Reporting Tools
- Oracle ERP (Foundational)
- Agile & Waterfall SDLC
Timeline
nCino Business Analyst
Cognizant Technology Solutions
02.2025 - 12.2025
Salesforce Product Analyst / Scrum Master
Manulife Financial
11.2023 - 02.2025
Salesforce Analyst | Agile Team Member
Comcast Business
10.2021 - 10.2023
Salesforce Operational Analyst
V3 Electric
11.2019 - 03.2021
Digital Product Manager (Contractor)
Wells Fargo
- Current