
Maria Kalugina
Software Business Analyst, Product owner
Salary / Daily rate
Luxembourg
Mobility: Belgium, Denmark
Freelance, open to permanent contract
Can come onsite
Skills
Languages
About me
Intro
I work at the bridge between business stakeholders and delivery teams — translating strategic intent into structured, actionable solutions in regulated environments. 18+ years across financial services, public sector, digital identity, and data-sharing ecosystems — from private banking and asset management to digital identity platforms and federated data spaces (GAIA-X/EDC). Most recently focused on AI-enabled initiatives: shaping use cases with business stakeholders, defining value and success criteria, assessing feasibility together with architect and technical team — with attention to data requirements, governance, and value realisation.
Work experience
Software Business Analyst, Product owner
NTT DATA
Oct 2024 - Present
2 years 1 month
Luxembourg
Operating at the intersection of business analysis and solution architecture across a federated medical data-sharing ecosystem (GAIA-X/EDC) and an enterprise AI use case portfolio. • Contribute business process modeling and domain structuring for a federated data-sharing platform, working alongside enterprise and technical architecture • Support delivery planning and scope alignment on complex, multi-stakeholder technical initiatives • Own business value definition and KPI frameworks across an 8-use-case enterprise AI portfolio, including delivery tracking and stakeholder visibility • Contribute to technical diagnosis and design of AI assistant interaction behavior, working closely with solution architecture • Design conversational flow and interaction patterns for an LLM-based assistant, informed by user testing
Product Manager
KPMG Luxembourg
Oct 2020 - Oct 2024
4 years 1 month
Luxembourg
Owned product and delivery coordination across the Tax IT application landscape — Withholding Tax, VAT, and FATCA reporting solutions — acting as the interface between Tax Advisory stakeholders, delivery teams, and central IT/security. • Drove requirements, RFP specification, and vendor evaluation for a Withholding Tax platform rebuild; the resulting roadmap remained the delivery foundation through a project restructuring and beyond • Rebuilt vendor delivery transparency for the VAT platform from scratch, resolving a chronic reporting gap • Maintained a consolidated inventory of Tax IT applications, supporting visibility and planning across the portfolio • Developed a journey-mapping technique for feature prioritization, reused across multiple projects
Senior Business Analyst
INTRASOFT International
Feb 2020 - Oct 2020
9 months
Luxembourg
Wrote functional specifications and test scenarios for a large EU legislative-procedures platform, translating UX designs and product requirements into structured documentation for the delivery and testing teams.
Excelian | Luxoft Financial Services
Nov 2010 - Mar 2020
9 years 5 months
Luxembourg
Business analyst, product owner
May 2018 - Mar 2020
1 year 11 months
Luxembourg
Business Analyst / Proxy Product Owner working across multiple regulated digital identity and trust service initiatives in parallel — remote onboarding, mobile electronic identity, certificate enrollment, and GDPR-compliant consent management — over a 2.5-year engagement. • Launched two projects from scratch (mobile app redesign, mass certificate enrollment platform), defining initial scope and backlog before transitioning delivery to dedicated development teams • Owned business analysis on a personal-data/consent management platform (LTID): defined domain ontology, actor model, and core processes from scratch, working directly with the business owner • Identified a critical gap in a delivery partner's specification — CRUD-level detail without dependencies or business rules — and proactively drove ontology clarification to keep front-end design work unblocked • Surfaced early signals of partner delivery risk through structured questioning over several months, later reflected in formal risk reporting on the program Maintained continuous client expectation management and supported management reporting alongside delivery work
Business/System analyst
Nov 2010 - May 2018
7 years 7 months
Moscow, Russia
Consultant
IBS
Jun 2007 - Dec 2010
3 years 7 months
Moscow, Russia
Worked in both commercial and pre-sale projects in roles of either consultant-analyst or project administrator. • Creating presentations, developing sections in tender documentation, related to planning, cost determination, company’s experience. • Requirement analysis (including analysis of legal requirements, foreign experience, interviewing users, formalization of business rules), scope outlining. • Requirement formalization (in UML notation) and development of line-in documentation (User’s guides, Administrator Manuals). • Support of project planning (including cost estimation and resource planning).
Education
Moscow Institute of Electronics and Mathematics (Technical University)
Master's degree, Applied Mathematics, Cybernetic
2003 - 2008
5 years 1 month
Graduate as an Engineer- mathematician. Qualification project "Designing DSS to track fraud operations in vehicle insurance (BRMS-based)"
Luxoft Training center
Problem Solving and Decision Making, Work with personal in the Project, Process of working with requirements of Business analyst, Effective interpersonal communication in IT Project team, Project estimation – size and labor efforts
Grade: Series of training on soft skills, team management and project management
Luxoft Training center
Series of training in financial domain
Basic Financial Markets. Investment banking Hedge funds, Prime Brokerage, Custodians, Securities clearing&settlemets, Bank lending, Liquidity risk, VaR and Market risk
Licenses & certifications
Generative AI Leader Certification
Issued: Apr 2026
Professional Scrum Product Owner - AI Essentials
Issued: Feb 2026
GenAI Academy: Yellow Belt Level 2 for Consultants
Issued: Sep 2025
Communication Foundations (2018)
Issued: Oct 2024
Effective Listening
Issued: Oct 2024
Creating a Positive Customer Experience
Issued: Oct 2024
Managing Stress for Positive Change
Issued: Oct 2024
Microsoft Certified: Azure Fundamentals
Issued: Jun 2023
Agile Service Management
Issued: Jan 2023
ITIL Foundation Level
Issued: Feb 2021
Certified Scrum Product Owner (CSPO)
Issued: May 2020
Professional Scrum Master I
Issued: Mar 2020
ICAgile Certified Professional - Business Value Analysis
Issued: Dec 2015
ICAgile Certified Professional - ICP
Issued: Nov 2015
Business Analysis. Planning and Monitoring
Issued: Sep 2015