Summary

Overview

Work History

Education

Skills

Certification

Timeline

Kundan Kumar

Lexington

Summary

Results-driven data engineering professional with over 14 years of extensive IT experience in architecture, data modeling, and business analysis within the banking domain. Proven expertise in leading ETL development, managing data from diverse sources, and ensuring data quality and governance while implementing robust business rules. Demonstrated proficiency in designing scalable data systems using advanced tools such as Informatica, SQL, and modern data warehousing solutions like Snowflake, along with strong capabilities in Agile and Waterfall methodologies. Recognized for exceptional collaboration skills and a commitment to delivering reliable insights that drive impactful business decisions.

Overview

years of professional experience

Certification

Work History

Data Engineer

Nationwide Insurance

03.2025 - Current

Nationwide’s Property and Casualty business operates with multi-tiered commission structures that span agents, agencies, and shell partners. Our existing bonus commission solution has reached its limits and can no longer support the level of segmentation the business requires. Each month now demands extraordinary manual effort to process bonus commissions, and the growing complexity of fitting bonus data into the SAP classifier framework has led to a rising number of defects.
To ensure long-term stability and scalability, we must implement an SAP-based bonus commission solution that is operationally reliable and capable of supporting expanded segmentation needs as the business evolves.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions to calculate commissions and incentives for nationwide agents.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
Design and implement commission rules and formulas within SAP compensation tool based on specific business requirement.
Generate detailed commission and bonus statements for nationwide agents.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

LPL Financial

11.2023 - 02.2025

LPL Financial has initiated to migrate to cloud. As part of this initiative LPL is looking to transform their application on the new technologies. Currently Informatica power center is used for the ETL processing, Firm decided to migrate their existing code to various cloud technologies across their applications. As part of PC to IDMC migration project- The existing ETL codes need to be migrated to Informatica Intelligent Cloud Services (IICS) for some of their applications.
Responsibilities:
Lead the entire team for conversion and migration.
Resolve any technical issues raised by team. Suggesting technical workarounds for the team. Discuss with admin team and stakeholders on solutions by proposing multiple options.
Discuss with Informatica support team and raise GCS ticketsfor resolution in case of limitations in IDMC product.
Created automation script using Python to generate SQL scripts for deployment and rollback.
Develop and maintain the overall project roadmap and schedule, ensuring alignment with organizational objectives and priorities.
Establish and maintain effective communication channels to keep stakeholders informed of project status, milestones, and risks.
Identify and mitigate risks and issues that may impact project delivery, implementing appropriate contingency plans as needed.
Convert and make changes to the ETL programs as needed. Oversee the development activities performed by the team.
Co-ordinate with testing and business teams to assist with system and user testing, fix identified defects.
Responsible for implementation and post-production support.
Review project deliverables from onsite and offshore team.

ETL/ELT lead

MUFG Union Bank

06.2023 - 10.2023

EDP Data Lakes Implementation includes requirement gathering, EMR information risk data ingestion: Architecture design, Development, and support of replacing legacy Enterprise Data warehouse systems. EDP will be used as single centralized data repository that complements and expands upon existing Bank’s Global Financial data warehouses and Data Lakes as primary methodologies to store bank’s customer and loan related information. This will feed several banking reporting requirements, data visualization needs, analytics and machine learning.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

05.2022 - 05.2023

The federal bank regulatory agencies finalized the Net Stable Funding Ratio (NSFR). In March 2021, the Federal Reserve Bank proposed revisions to the FR 2052a reporting form and instructions. The proposed revisions reflected the NSFR final rule and captured other data elements necessary to monitor banking organizations’ liquidity positions and compliance with Liquidity Risk Measurement. Although MUFG is not subject to NSFR, the FRB drafted instructions regarding the 6th generation (6G) of the FR 2052a liquidity reporting. A compressed timeline, MUFG (MUB/MUAH) successfully delivered a tactical solution that prioritized critical changes required to comply with the new instructions.
However, the FRB published final guidance to the NSFR rule and 2052a instructions in November 2021, with a compliance date of October 1st, 2022. This project will leverage the tactical, and the existing 2052a framework (5G) to build out and deliver a stable, longer-term solution for compliance to final guidance related to 6G Reporting on October 1st 2022.
In addition, this effort will align and support the framework for CUSO Consolidated reporting of FR 2052a. Although governance standards must be implemented to ensure compliance with Regulatory (NSFR and FBO Tailoring) and internal policies, this project is specifically focused on the technological implementation needed for MUB/MUAH 6th Generation 2052a in accordance with ITPD methodology.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

03.2021 - 04.2022

Wholesale and Commercial Lending have struggled with a common set of issues for years, including lack of standardized process, poor data quality, limited to no visibility across the end to end value stream encompassing a complex set of processes, resulting in high cost structure, long cycle times, and increased regulatory exposure.
The Commercial Loan Origination System (CLOS) has been initiated as a multi-generational, multi-phased, multi-year effort, that will replace technology used to originate and portfolio manage loans. The CLOS project involves:
Installation of an E2E state-of-the art lending system to support the Commercial and Small Business loan portfolios originated and booked at MUB to support
– New loan approvals
– Portfolio management of new and existing loan portfolio
The Current lean is on a third party vendor nCino which is a Salesforce based cloud platform
The E2E lending system can also be leveraged by other lending divisions within the broader bank
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

05.2020 - 02.2021

To ensure compliance with Single Counterparty Credit Limit (SCCL) final rule and meet daily monitoring and quarterly regulatory reporting requirements, it is important to have an aggregated view of credit exposure of all connected counterparties across MUFG CUSO entities on a daily basis.
Business driver Description
Regulatory (SCCL) Rule adopted to establish single-counterparty credit limits to impose limits on the amount of credit exposure that a bank holding company or foreign banking organization can have to an unaffiliated company in order to reduce the risks arising from the company's failure.
Regulatory (FR 2590) The Single-Counterparty Credit Limits Reporting Form (FR 2590) provides the Federal Reserve with information to monitor a covered company’s or a covered foreign entity’s compliance with the single-counterparty credit limits (SCCL) rule.
This MUB Data sourcing project is a part of Overall SCCL Program and Designated as Project # 3 of the program only focuses on Data acquisition part for MUB Entity.
The main goal of this project is two things
A. source MUB Exposure and supporting data required from different systems on a Daily basis and persist them in Finance Data Foundation, a platform to integrate, consolidate and distribute data for Finance Downstream Application for Basal Exposure Calculation, Netting and Report Generation
B. Automation of the monthly RFI Load Process that are identified for SCCL data needs and migrate them into FDF Integrated Layer and source them daily for project needs.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

06.2019 - 04.2020

Currently for MUB, only Exposure data is collected in G-Zeus. Therefore profitability management is not provided through G-Zeus.
G-Zeus Profit Feasibility Study Outcomes Leading to Scope of MUB Project
Increasing profit data coverage in G-Zeus is an HO Corporate Data Management Division (CDMD)’s initiative in the FY2018-2020 Mid-Term Plan. As such, a study for collection of G-Zeus profit data in Americas was conducted in 2018 to assess the feasibility of the following statement:
For the four Americas entities: Branch, Bank, Canada, and LatAm, provision daily and monthly instrument level profitability data to G-Zeus in the customer, market, and admin categorizations of the Monthly Analysis Report (MAR) such that, in aggregate, these details tie to the entities’ financial P&L.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

06.2018 - 06.2019

The Financial Accounting Standards Board (FASB or Board) issued Accounting Standards Update (ASU) 2016-13 that significantly changes how entities will account for credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The new standard will supersede existing guidance and is applicable to Mitsubishi UFJ Americas Holding Corporation (MUAH).
The standard provides guidance on measuring credit impairment generally based on the classification of the financial instrument as follows:
The Current Expected Credit Loss or CECL impairment model (ASC 326-20)
The AFS Debt Security impairment model (ASC 326-30)
The model for certain beneficial interests (ASC 325-40)
The approach for initially recognizing purchased financial assets with evidence of credit deterioration (included in ASC 326-20 and ASC 326-30)
For public business entities (PBEs) which are U.S. Securities and Exchange Commission (SEC) filers, the standard is effective for annual periods beginning after December 15, 2019, and interim periods therein. Therefore, calendar-year SEC filers, such as MUAH, will begin applying it in the first quarter of 2020. Early adoption is permitted for all entities for annual periods beginning after December 15, 2018, and interim periods therein.
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

ETL/ELT lead

MUFG Union Bank

Monterey Park-CA, Charlotte-NC

03.2017 - 06.2018

Existing complexity in the sourcing of data upstream for the 2052a results in generation of the report late in the business day on T+1 with a Service Level Agreement (SLA) of 3:00PM PST (Pacific Time) This leaves limited time for validation, review, manual adjustments, attestation and data quality control checks performed by the Liquidity Risk Management team (current owner of the report) along with the Business Unit Controllers (BUCs) on T+1 between the generation of report and submission of the report to meet the T+1 11:59PM PT deadline to the Liquidity Risk Reporting team (LRR) for aggregation at the CUSO level. In addition, upstream issues can cause delays in producing the report. Finally, during periods of stress the Federal Reserve may temporarily request 2052a report to be submitted daily consecutive day. This project will prepare systems for readiness if such a request occurs.
Sourcing efficiencies can be gained by streamlining data flows into OLM by evaluating the impact of data hops on the SLA and looking for opportunities that will optimize the overall data sourcing wherever applicable. Efficiencies can also be gained by consolidating certain liquidity classification processes into a single source.
Objective of this project is to Enhance and enrich the data foundation to provide more transparency and granularity to liquidity risk. Build the foundation to leverage it for the internal liquidity stress framework that was part of the FRB’s Comprehensive Liquidity Review (CLR).
Responsibilities:
Gather and analyze business requirements.
Participate in Customers meetings to understand the requirements, propose performance oriented impeccable and flawless solutions.
Translating a business case into a detailed technical design.
Designing of architecture of new module as per business requirement, create Functional, Detailed Design documents and mapping specs as per business requirements.
Document DSRs, DFRs, FRDs, FDD, DDD based on Project data requirements elements and create Lineage based on the requirements proposed.
Propose Project estimations.
perform and co-ordinate development activities to meet the business requirements. Prepare and deliver Unit test plan and test results.
Coordinating with offshore team members on different phases of the project like Development, testing and implementation.
Participate and co-ordinate the System Integration Testing and User Acceptance Testing to ensure the defects are resolved in a timely manner.
Co-ordinate with Release Management team to carry out production implementation.
Provide postproduction support to ensure there are no issues after production deployment.
Analyze data integration problems, provide solutions, and recommend corrective actions.
Taking Quick and Right decisions to fix the failures to meet daily SLA.

Developer

MUFG Union Bank

Bangalore

03.2016 - 03.2017

The Lending Club pool (LCB) is a purchased portfolio of closed end, fixed rate, unsecure personal loans are serviced by the Lending Club organization.
Miscellaneous General Ledger (MGL) remediation in the Integrated Credit Reporting System (ICRS) remains a high priority. MGL is created when there is a bottom line difference between loan application and General Ledger (GL) balances at the GL / Responsibility Center (RC) level. As part of the MGL initiative, CPIS has identified Loans Serviced by Others (LSBO) as one of the major MGL categories that needs to be addressed and any MGL balances related to the LSBO Portfolios should potentially be brought to zero.
The primary mechanism to address this portion of the MGL is to flow the Loan Level detail data into ICRS itself. Since August 2015, detail data for loans secured by real estate (SFR-SBO) has been processed into ICRS; while the detail for the unsecured portfolio sourced from the Lending Club (LCB) is still needed. As of January 2017, approximately $0.7 Bil of the MGL balance is due to the LCB portfolio.
LCB data files were initially captured by the Retail Loan Data Services group, who has been acting as the unofficial provisioning point for downstream users such Finance and Credit Risk. LCB source data was incorporated into EDH in 2016 and currently sources LCB data for the CCAR regulatory ‘Consumer Other Loan’ schedule and the OFSAA Liquidity Risk Management application.
Objectives:
To remediate the MGL in ICRS, the loan details for Lending Club Bank (SBO-LCB) Serviced by Others accounts will be provided by EDH, and capture within ICRS and reconciled with the GL.
Establish EDH as the primary source of Lending Club Portfolio data within the Bank, to include direct file provisioning (not the use of intermediaries) and file encryption (data at rest and in motion). This project will transfer key risk data sources to EDH instead of existing unapproved sources (aka SQL9/Report Manager and the RL dimensional Data Mart (aka CAR).
To Provide an Extract from EDH to ICRS.
Responsibilities:
Gathering Functional Requirements.
Meetings and daily calls with Client and Onsite team on new business requirement.
Creation of mapping as per ETL specification.
Unix scripting to validate the files and to trigger the workflow.
Preparing Unit test case and Plan.
Sit Execution and validation of data and validation document preparation.
Creation of Autosys jobs to trigger the jobs.
Preparation of CMs to move the code to Production.
Production deployment of codes.

Developer

MUFG Union Bank

Bangalore

04.2014 - 03.2016

Advanced Commercial Banking System (ACBS) 7.0 is being implemented to process syndication loans (participant and agent) and multicurrency loans for MUB and syndication loans (agent) for BTMU. The vendor hosted ACBS application also comes with an ACBS data mart which will provision the daily data feed to MUB. Project Leones is a program that intends to integrate the governance framework for BTMU’s Americas, unifying the organization and capabilities of MUFG Union Bank (MUB) and HQA under a US Bank subsidiary (RHC/NB & NYB), and establish a solid platform for growth.
Project Leones 1a which is within this framework is chartered to enable processing of Multi-currency, Syndication, and White Label - Agent Bank Loan within MUB.
Responsibilities:
Gathering Functional Requirements.
Meetings and daily calls with Client and Onsite team on new business requirement.
Creation of mapping as per ETL specification.
Unix scripting to validate the files and to trigger the workflow.
Preparing Unit test case and Plan.
Sit Execution and validation of data and validation document preparation.
Creation of Autosys jobs to trigger the jobs.
Preparation of CMs to move the code to Production.
Production deployment of codes.

Education

Bachelor's Degree - Electronics and Communication Engineering

Cochin University of Science and Technology

Kochi, Kerala

04-2011

Skills

ETL /ELT Tools Informatica Power Center, IICS, Wherescape, Azure Data Factory, SNOWFLAKE, Fivetran
Databases Oracle, Greenplum, SQL Server
Programming SQL, PL/SQL, MS SQL, C
Scripting languages Unix Shell Scripting, Python scripting
Scheduling tool Autosys

Cloud Technology Azure,snowflake
Agile tool JIRA, Confluence
Other tools & Utilities SQL
Plus, Toad for Oracle, SQL tools, MS-Office, HPSM, Putty, HPQC, Rumba, JIRA, Aginity, DBBeaver ;Analytirx, Service Now, Visual Studio code, Git Hub, Octopus Devops deployment, SAP Callidus

Certification

Certified in Azure fundamental (AZ-900).
Certified in Snowflake Core pro.
Trained on Azure data Factory.
Trained on Python Scripting.