Maria Kalugina

Software Business Analyst, Product owner

Salary / Daily rate

Luxembourg

Mobility: Belgium, Denmark

Freelance, open to permanent contract

Can come onsite

Skills

Business AnalysisProduct ManagementScrumUX Product DesignJiraConfluenceFigmaGDPR

Languages

Russian (Native)English (Fluent)French (Fluent)German

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.

Links

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

Certified by Google

Professional Scrum Product Owner - AI Essentials

Issued: Feb 2026

Certified by Scrum.org

GenAI Academy: Yellow Belt Level 2 for Consultants

Issued: Sep 2025

Certified by NTT DATA Inc

Communication Foundations (2018)

Issued: Oct 2024

Certified by LinkedIn

Effective Listening

Issued: Oct 2024

Certified by LinkedIn

Creating a Positive Customer Experience

Issued: Oct 2024

Certified by LinkedIn

Managing Stress for Positive Change

Issued: Oct 2024

Certified by LinkedIn

Microsoft Certified: Azure Fundamentals

Issued: Jun 2023

Certified by Microsoft

Agile Service Management

Issued: Jan 2023

Certified by LinkedIn

ITIL Foundation Level

Issued: Feb 2021

Certified by AXELOS Global Best Practice

Certified Scrum Product Owner (CSPO)

Issued: May 2020

Certified by Scrum Alliance

Professional Scrum Master I

Issued: Mar 2020

Certified by Scrum.org

ICAgile Certified Professional - Business Value Analysis

Issued: Dec 2015

Certified by ICAgile

ICAgile Certified Professional - ICP

Issued: Nov 2015

Certified by ICAgile

Business Analysis. Planning and Monitoring

Issued: Sep 2015

Certified by IIBA

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