Product Owner · Lead Business Analyst

Payal Chakraborty

Financial Services · Life Sciences · Regulatory & Compliance Tech

I turn regulatory complexity into products people trust — 10+ years leading discovery-to-delivery across retirement, life sciences, and compliance-driven platforms, PMP-certified and Agile at the core.

View case studies Download resume
Open to new Product Owner & Business Analyst roles
Payal Chakraborty
10+ yrs
PMP Certified
Focus areas
Retirement, Life Sciences & Regulatory Compliance
10+ years
SaaS & digital products
Regulated industries
Financial Services · Life Sciences · CPG
Global stakeholders
US · EU · APAC
AI-enabled
Discovery · Wireframing · Prototyping
Payal Chakraborty
Lead Business Analyst / Product Owner Fidelity Investments · Feb 2026 – Present · Bangalore, India

About

I started my career as a Senior Engineer building and training conversational AI chatbots (Microsoft LUIS, QnA Maker) for e-commerce platforms — that technical foundation is still core to how I work today. Over the next decade I moved into business analysis and product ownership, carrying that same instinct for how systems actually work into requirements, backlogs, and regulatory-heavy delivery.

At Fidelity Investments, I work across regulatory-driven eligibility features, change-impact analysis, and compliance-tracking tooling for the retirement business. Earlier, I led BA engagements spanning life sciences (Merck), CPG/tobacco regulatory submissions (BAT), and industrial IoT (Caterpillar) — partnering with legal, engineering and advisors so complexity doesn't reach the end user. I'm currently transitioning out of Fidelity and into my next Product Owner role.

  • Business analysis & product ownership
  • Requirements elicitation
  • Stakeholder management
  • Agile & Scrum delivery
  • Regulatory change management
  • Risk & compliance

Tools & Platforms

Jira Confluence Azure DevOps Miro Figma Draw.io Lucidchart SQL ServiceNow SharePoint Visio Microsoft Copilot Power Platform

Experience

Fidelity Investments Feb 2026 – Present
Lead Business Analyst
RetirementRegTechAgile
  • Lead business analysis for retirement and workplace investing initiatives supporting regulatory and compliance-driven product enhancements.
  • Translate complex regulatory requirements, including Secure 2.0-related changes, into actionable business and functional requirements.
  • Facilitate requirements workshops, backlog refinement, and stakeholder reviews across cross-functional teams.
  • Coordinate UAT activities for critical releases impacting retirement plan administration.
Merck Life Science Aug 2022 – Apr 2025
Lead Business Analyst · via ITC Infotech Ltd.
LIMS Transformation & Portfolio Management Transformation
Life SciencesComplianceLIMS
  • Directed business analysis for compliance and regulatory projects supporting EU product notifications and lab system enhancements.
  • Authored BRDs, FRDs, data dictionaries, and BPMN process models to support audit readiness and knowledge retention.
  • Mentored BAs in requirement analysis, process mapping, and validation techniques.
British American Tobacco Aug 2022 – Apr 2025
Lead Business Analyst · via ITC Infotech Ltd.
Product Compliance & Regulatory Submission Platform (EU Tobacco Products)
CPGRegulatory SubmissionsData Mapping
  • Collaborated with regulatory affairs, compliance, business, and technology stakeholders to document business and functional requirements.
  • Conducted data dictionary analysis and source-to-target mapping to ensure traceability of regulatory submissions.
  • Supported production deployments and post-release validation for compliance-related enhancements.
Onward Technologies Ltd. Apr 2022 – Aug 2022
Senior Business Analyst · Caterpillar client
Industrial IoTTelematicsAgile
  • Partnered with the product team to prioritize telematics enhancements for heavy machinery tracking.
  • Organized backlog grooming and sprint planning, translating business priorities into actionable epics and user stories.
  • Conducted UAT sessions and led end-user training to ensure smooth feature adoption.
Mindtree Ltd. Apr 2019 – Feb 2022
Business Analyst
Conversational AICPGProcess Improvement
  • Led requirement-gathering workshops and stakeholder interviews for CPG clients and internal chatbots (LUIS, QnA Maker).
  • Developed SOPs and business process maps that improved delivery efficiency by 50%.
  • Supported tax analytics automation, eliminating manual procedures and improving report accuracy.
Mindtree Ltd. Jan 2016 – Mar 2019
Senior Engineer
ChatbotsAutomationTraining
  • Developed and trained conversational chatbots using Microsoft LUIS and QnA Maker for e-commerce websites.
  • Automated internal processes, improving page-speed scores and boosting team efficiency by 50%.
  • Trained 50+ professionals on chatbots, Microsoft AI, CMS, and PowerApps.
Scroll for the full six-role history

Industry Case Studies

RetirementBusiness rulesRegulatory

Roth catch-up eligibility rules

Led requirements and rollout for select eligibility-determination features tied to a major U.S. retirement-plan regulatory update, partnering with legal and engineering on rule logic.

Reduced manual review effort on covered rules
Read on Medium
Life SciencesComplianceLIMS

LIMS transformation

Directed current-state and future-state analysis of lab processes and enterprise LIMS at Merck Life Science, authoring BRDs, FRDs, and BPMN models supporting EU product notifications.

Audit-ready documentation across EU geographies
Read on Medium
CPGRegulatory SubmissionsData Mapping

EU tobacco compliance platform

Supported delivery of a product compliance platform used to manage and submit tobacco product information to European regulatory authorities at British American Tobacco.

Traceable regulatory submissions across the EU
Read on Medium
AIChatbotsTraining

Conversational AI for e-commerce

Developed and trained conversational chatbots using Microsoft LUIS and QnA Maker for e-commerce clients, then trained the wider team to build and operate them.

Trained 50+ professionals on chatbot & AI tooling
Read on Medium
From the journal

Writing on product & regulatory thinking

Notes from the field, published on Medium.

May 12, 20245 min read

Beyond requirements: building products users actually love

Read on Medium
Apr 02, 20244 min read

How regulatory changes shape better products

Read on Medium
Mar 18, 20246 min read

AI doesn't replace product thinking — here's what it does

Read on Medium
Playground

AI experiments & side builds

Outside the day job — where I test product ideas end to end, from prompt to shipped prototype.

Personal project
Matcha Catch game screenshot
Gen AIMobile & Web0-to-1 build

Matcha Catch

A playful AI-assisted arcade game built end to end as a solo product experiment — from problem framing and prompt design through to a working, playable prototype.

Try it live
Personal project
Shiro Reviews Your User Story screenshot
Gen AIBA Tooling0-to-1 build

Shiro Reviews Your User Story

An AI-assisted tool that reviews user stories for gaps, ambiguity, and missing acceptance criteria before they hit a sprint — built solo, prompt design through to a working prototype.

Try it live
Certifications
PMP
Project Management Professional
PMI · Certified June 2026
Credly verified
Education
PGDM
PGDM, Marketing Management
ISBR School of Business & Research, Bangalore · 2021
B.Tech
Electronics & Telecommunications
Silicon Institute of Technology, Sambalpur · 2015
Recommendations

"I have had a pleasure to work with Payal for almost 2 years at global project. She was always supportive and goal-oriented. Her great knowledge and can-do attitude helped us to work effectively and fluently. Working with Payal was a great experience and I can honestly recommend her to the future employer."

Marek Ismer · Project Management, Technology & E-commerce

"I had the opportunity to work with Payal on several tasks. She brings huge experience to the project. Her deliverables were always on time. She is a smart and disciplined individual and while working with her I didn't face any dependencies from her tasks. Her knowledge on websites and digital marketing is commendable. All the best for Payal's success in her IT career."

Sriram Thangaraja · Incident Command Analyst @ HPE

"I worked with Payal at a global project. Our cooperation was very good. Payal is an organized person, always caring about the quality of work. I could always count on her support and knowledge. It's been a real pleasure to work with her."

Natalia Cybulska · Retail Marketing & Product Management