Available · Bengaluru, India

Disha Gowani

AI Business Analyst

Turning Business Problems into AI-Driven Solutions — bridging finance, data governance, and Generative AI to build intelligent, automated workflows.

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Years Experience

AI Projects

10+

Skills & Tools

Currently ICICI Bank 📍 Bengaluru, Karnataka

About Me

Analyst by training.
AI builder by choice.

Result-driven AI Business Analyst with expertise in fund servicing, corporate credit management, and client operations — now deeply invested in the transformative potential of Generative AI, RAG, and no-code automation.

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Gen AI & Prompt Eng.

Designing intelligent prompts and AI-powered workflows for real business use cases.

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Data Governance

Built KPI dashboards and enterprise data quality frameworks at ICICI Bank.

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Automation First

Streamlining processes with Make, Zapier & N8N to eliminate manual overhead.

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Corporate Finance

Credit analysis, CMA reporting, structured lending & RBI compliance.

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Mission

Bridge the gap between business strategy and AI implementation — making intelligent automation accessible to every team.

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Languages

English · Hindi (Fluent)

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Education

PGDM – Research & Business Analytics, Welingkar Institute, Bengaluru

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Current Focus

Building AI-powered tools for credit risk, business ops automation, and workforce analytics.

Skills

Tools &
Expertise

From prompt engineering to dashboarding — a full-stack AI business analyst toolkit built for the modern enterprise.

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Prompt Engineering

Gen AI90%

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RAG Systems

Retrieval-Augmented Generation80%

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Tableau

Data Visualisation85%

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Data Analysis & SQL

SQL · Excel · Python88%

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Automation Tools

Make / Zapier / N8N82%

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MS Office Suite

Word · Excel · PowerPoint92%

Domain Knowledge

Corporate Credit Portfolio Risk & Compliance Data Quality Management Data Governance KYC / AML CMA Analysis Financial Planning MIS Reporting Stakeholder Management Client Relations Process Optimisation EWI & Covenant Tracking

Experience

Career Journey

ICICI Bank Accounts Manager

ICICI Bank Data Analyst Intern

Accounts Manager @ ICICI Bank

📅 May 2023 – Present

📍 Bengaluru, India

Full Time

▸ Orchestrated fund servicing and client account operations, ensuring adherence to RBI guidelines, KYC/AML norms, and internal control frameworks.
▸ Administered corporate credit portfolios and provided strategic financial solutions, driving revenue uplift, optimising CASA, yield, and asset quality through credit appraisal and financial analysis.
▸ Crafted tailored business proposals and solution presentations to accelerate client acquisition, deepen product adoption, and enhance relationship value.
▸ Partnered with cross-functional stakeholders (risk, compliance, operations, data teams) to streamline processes, ensure regulatory compliance, and improve execution efficiency.
▸ Drove continuous improvement initiatives by identifying process inefficiencies, implementing automation, and strengthening risk monitoring through EWIs and covenant tracking.
▸ Built and enforced data governance structures, ensuring integrity, consistency, and reliability of enterprise data assets.
▸ Defined data quality KPIs, developed dashboards, and conducted end-to-end validation to detect discrepancies and enable corrective actions.
▸ Utilised automation and AI-enabled techniques to scale data validation processes and enhance overall operational quality controls.

Excel Tableau SQL Data Governance RBI Compliance Credit Analysis AI Automation

Data Analyst Intern – Digital Channels @ ICICI Bank

📅 June 2022 – July 2022

📍 Bengaluru, India

Internship

▸ Optimised large-scale digital transactions, identified control gaps, and streamlined workflows, collaborating with Accounts and Operations to boost payment authorisation rates and process stability.
▸ Enhanced data accuracy and reliability by cleansing and validating transactional datasets, creating dashboards, and monitoring payment performance, bottlenecks, and operational KPIs.

Data Cleansing Dashboard Creation Digital Payments KPI Monitoring

Projects

AI-Powered Solutions

Real-world problems solved with Generative AI, RAG, automation and data intelligence.

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AI Credit Risk Analyzer

💡 Problem

Traditional credit risk assessments are slow, manual, and prone to analyst bias — causing delays in loan approvals and missed risk signals. Built an AI-powered credit risk tool that ingests financial statements, runs CMA analysis, and generates risk scores with natural-language summaries using RAG and LLMs — reducing review time dramatically.

Gen AI RAG LLM CMA Analysis Python Banking

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AI Workflow Automation for Business Ops

💡 Problem

Companies waste hours on repetitive tasks — emails, follow-ups, reports, and approvals. Designed an intelligent automation pipeline using Make/N8N + AI agents to auto-draft client communications, generate weekly MIS reports, and trigger follow-up sequences — cutting manual effort by 60% across business operations.

Make / N8N Zapier AI Agents Prompt Eng. MIS Reporting Automation

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AI Workforce Insights Dashboard

💡 Problem

HR teams struggle to understand employee trends clearly — attrition signals, benefits gaps, and headcount imbalances go unnoticed. Built an AI-enhanced Tableau dashboard that analyses headcount, benefits, and turnover data (Panasonic India Global), layering LLM-generated narrative insights alongside visual trends to drive evidence-based HR policy decisions.

Tableau Excel Gen AI Workforce Analytics HR Policy Data Insights

Education