Anjish
Bhondwe

Who I am in one scan

Delivery figures you can verify

Not years-in-role. Proof from programmes that had regulators, boards, and real delivery pressure.

Four capabilities that intersect

This is the operating model I bring into BFSI risk and regulatory delivery.

Consulting Services

Engagements where Agile delivery, product ownership, and risk data work have to move as one.

Where Three Disciplines Meet

Agile delivery, product ownership, and credit risk data leadership. The overlap that shows up in every BFSI risk and regulatory programme I take on.

Professional Experience

2024
Present

Research Lead and Proposer, Human Agile Model

agilefragile.com

Ongoing research · Brussels, Belgium

• Developing the Human Agile Model, a correction to Dark Agile when enterprise agile looks green and people are breaking
• Defined a human gate before scale, four moves (Human, Adapt, Implement, Scale), and the Human Agile Index for scoring human practice only
• Field research on the people gap: when organisations spend 55% of attention on delivery and 18% on the people carrying the change
• Model works with Scrum or SAFe. High delivery with low human scores is still Dark Agile

Human Agile Index · 8 questions · 4 moves →

Oct 2024
Present

Director, Agile Delivery Excellence · Product and Risk Delivery Lead

iostring Technology and Consulting

Belgium / India · India operation lead since Sep 2025

• Built the delivery enablement practice and Agile CoE from scratch: Scrum and SAFe ways of working, governance, and coach-the-coach paths for product, engineering, and risk-facing teams
• Lead product owners and agile squads on investment banking credit risk engine enhancements and regulatory reporting, with Risk, Data Management, IT, and audit stakeholders
• Run intake and capacity end to end: capture demand, clarify scope, prioritise across squads, and keep delivery balanced against regulatory deadlines
• Since Sep 2025, lead the India operation: people management, performance, hiring, skills development, and outsourcing partners

CoE from zero · credit risk delivery · India people leadership

Project

Product and Delivery Lead, Customer 360 Data Analytics

Sun Life Insurance

Insurance · BFSI · Customer 360 / Data Analytics

• Led Customer 360 data analytics delivery for Sun Life Insurance: unifying customer data so the business could act on a single view instead of fragmented product and channel silos
• Owned backlog priorities with business and data stakeholders: which insights, segments, and data journeys landed first, and what definition of done meant for analytics outcomes
• Applied Agile delivery and data journey practices across analytics and engineering partners so Customer 360 work stayed tied to insurance business decisions, not dashboards for their own sake
• Bridged product, data management, and delivery teams on lineage, quality, and handoffs needed for a reliable customer view in a regulated insurer

Customer 360 · insurance data analytics · stakeholder-led backlog

Oct 2024
Jun 2025

Interim SAFe Delivery Lead / RTE

Colruyt Group · XTRA

Belgium · via iostring

• Interim SAFe Delivery Lead / RTE on the Colruyt XTRA programme: kept ART-level delivery moving across product, engineering, and business stakeholders
• Ran PI planning, dependency management, and delivery health reporting so leadership could see risk and progress in one place
• Bridged business priorities into a prioritised backlog and clear definition of done across squads

XTRA programme · interim RTE / delivery lead

Sep 2021
Oct 2024

Delivery Lead, Liquidity Reporting and Regulatory Calculation Engines

KBC Bank and Verzekering

Brussels / Leuven · Belgium, Hungary, Czech Republic, Bulgaria, India

• Owned and prioritised the Basel IV and AnaCredit calculation engine backlog against mandatory NBB and ECB deadlines; kept RWA, capital reporting, and LLP windows on track
• Led agile squads with product owners and scrum masters across a 50+ member onshore-offshore organisation on Liquidity Reporting
• Partnered with Risk, Data Management, and IT on data quality, lineage, reconciliation, and data flows alongside GDPR and cloud / DevOps change
• Governed delivery of Europe's first blockchain-based AI-backed digital coin under ECB constraints: Kate Coin
• Bridge between credit risk, data teams, and engineering; escalation point for audit-facing and SteerCo reporting on engine delivery health

Kate Coin · Basel IV / AnaCredit engines · 5-country delivery

Oct 2020
Sep 2021

Product Owner and Product Manager

Uplight Inc

Remote / UST Global deployed at Uplight Inc, USA

• Owned the Carbon Zero data platform on GCP: turned utility sustainability targets into a live roadmap, release plan, and OKRs the squads could execute against
• Ran product decisions across USA, Canada, and India, keeping data architects, data scientists, and engineers on one definition of done so features actually shipped to customers
• Held the product investment conversation with the Product Director and VP of Engineering: what to fund, what to cut, and what to sequence next on the Carbon Zero backlog

Oct 2019
Oct 2020

Lead Business Analyst and Agile Delivery Lead, Counterparty Credit Risk

Credit Suisse

Pune, India · Integrated Risk Management

• Led agile delivery for the Counterparty Credit Risk data team through post-Brexit regulatory transition; aligned Risk, Data Management, and IT on engine and reporting change
• Owned data quality and reconciliation in post-trade credit risk data flows (securities, CDS, RWAs, trade settlement and lifecycle), with end-to-end lineage and governance
• Maintained the MI dashboard suite for credit risk model and process decisions across complex portfolios
• Delivered regulatory reporting solutions for EU and UK frameworks under the post-Brexit split

CCR data journeys · post-Brexit regulatory delivery

Jun 2018
Sep 2019

Business Analyst, Consulting

HealthRFID

Australia

• Consulted on requirements, process design, and delivery for health-technology and RFID-enabled specimen supply chain solutions
• Translated regulated operational workflows into actionable backlog items for engineering and product teams
• Partnered with stakeholders across Australia to align platform capabilities with clinical and operational needs

Jun 2018
Sep 2019

Senior Business Analyst and Agile Lead

Education Horizons Group

Melbourne, Australia / ITC Infotech

• Led digital transformation driving platform adoption from below 30% to above 80% through Agile delivery and change management
• Stabilised release cycles and aligned product delivery with AWS engineering practices
• Delivered Cloud proof of concept with microservices and CI/CD on AWS, presented to CTO at SteerCo

Platform adoption 30% to 80%

Sep 2013
Oct 2018

Senior Technical Business Analyst to Systems Engineer, Credit and Market Risk

HSBC Credit Suisse Standard Bank

India / South Africa / UK · 2013 to 2018

• Built depth in the credit risk data landscape: PD, EAD, LGD, CCR, and CVA across product portfolios, with lineage, governance, and reconciliation for capital calculations
• Wrote BRDs and FRDs for credit risk engines under UK (PRA), US (Fed/SEC), and Switzerland (FINMA); took logical data models from requirements through IT implementation
• Worked with Regulatory Managers on Basel Pillar 3 disclosure validation; supported RWA optimisation and BCBS 239-aligned reporting
• Designed data flows and tooling for collateral, margin, and T+2 settlement; built risk and regulatory reporting pipelines for Standard Bank and Nedbank

Credit risk engines · capital data · multi-regulator delivery

Global Clients and Partners

Banks and regulated innovators. Places where Agile delivery, product ownership, and risk data have to survive audit and Monday morning standup.

KBC Bank

HSBC

Credit Suisse · UBS

Standard Bank

Sun Life Insurance

CG

Colruyt Group

Uplight

Education Horizons

HealthRFID

Human Agile Model

Human first reformation, before transformation. Field research on the people gap in enterprise agile, proposed at agilefragile.com.

Articles & Notes

Longer pieces live here. Shorter takes and debate go to LinkedIn.

Credentials and Education