Personal Banking Modernization Program Mgmt

🔷 Program Overview: Personal Banking Modernization

🎯 Objective:

Modernize a legacy personal banking platform with microservices-based, cloud-native architecture to support:

• Digital onboarding & KYC

• Real-time account management

• Fund transfers & payment hub

• Fraud detection

• Personal finance advisory chatbot

🔷 Team Structure (3 Agile Squads)

Squad Name	Focus Area	Members
Squad 1: Onboarding & KYC	Customer onboarding, eKYC, AML validation	7 (PO, SM, 5 Dev/QA)
Squad 2: Accounts & Payments	Account management, transfers, bill pay	8 (PO, SM, 6 Dev/QA)
Squad 3: Engagement & Security	Chatbot, fraud detection, authentication	6 (PO, SM, 4 Dev/QA)

🔷 Tooling Stack

Area	Tools
Agile Management	Jira, Confluence
CI/CD	Jenkins, Azure DevOps, GitLab CI
Code Repo	GitHub / GitLab
Monitoring	Prometheus, Grafana
Security	SonarQube, OWASP ZAP, Azure Security Center
Documentation	Confluence, Lucidchart, Miro

✅ Step-by-Step Agile Walkthrough with Jira

🔹 1. Release Planning (Quarterly)

Area	Description
Duration	3 months (e.g., Q1 FY25)
Business Goals	Reduce onboarding TAT by 50%, launch real-time payments, deploy GenAI chatbot
Epics Created in Jira	EPIC-1: Onboarding, EPIC-2: Payments, EPIC-3: Chatbot, EPIC-4: Fraud Detection
Capacity Planning	Squad Velocity * # Sprints – Leave buffer
Initial Roadmap	Created using Advanced Roadmaps in Jira
Dependencies Tracked	Jira Issue Link: blocks/is blocked by
Program Risks	Captured in Program RAID log (see below)
Definition of Done	Aligned across squads in Confluence

🔹 2. Sprint Planning (Every 2 Weeks)

Activity	Details
Sprint Goal	Defined collaboratively
Jira Backlog Grooming	Stories estimated with Story Points
Commitment	Based on velocity trend and current capacity
Task Breakdown	Sub-tasks in Jira, assigned with time estimates
Acceptance Criteria	Written in user story, reviewed by QA
Capacity Adjustments	Vacation/holidays subtracted using Jira capacity planner plugin

🔹 3. Daily Scrum (15 mins)

| Tool | Jira Dashboard + Confluence Daily Tracker || Format | Round-robin: Yesterday, Today, Blockers || Real-time Update | Jira board swimlanes (To Do / In Progress / Done) || Escalations | Logged as Impediments in Jira under "Impediment Tracker" board || Facilitated By | Scrum Master of each squad |

🔹 4. Sprint Review (Demo + Acceptance)

| Participants | PO, Stakeholders, Squad, Architects || Artifacts | Working software demo, updated Jira status || Outcome | PO accepts/rejects stories, feedback logged || Tool | Zoom/Teams + Jira Screen Sharing |

🔹 5. Sprint Retrospective

| Tool Used | Confluence Retrospective Template || Format | What went well, What didn’t, Action items || Outputs | Logged as Jira tasks/improvements || Action Owner | Assigned and tracked next sprint || Sample Item | “Environment setup took 3 days” → Action: Pre-provisioned containers |

📊 Squad-Level Metrics & Reports (Jira)

Metric	Tools	Description
Velocity Trend	Jira Reports	Shows story points delivered per sprint
Burndown Chart	Jira	Tracks sprint progress
Cumulative Flow	Jira	Workflow status trend
Defect Leakage	Jira / Confluence	Defects missed during QA
Cycle Time	Jira (JQL + Dashboard)	Time taken per issue
Team Capacity	Jira + Excel plugin	Based on working hours minus PTO
Code Quality	SonarQube	Code smells, vulnerabilities

🛑 RAID Logs

🔹 Program-Level RAID (Confluence Table)

ID	Risk/Assumption/Issue/Dep	Description	Owner	Mitigation
R1	Risk	Onboarding API vendor SLA delays	PO S1	Fallback vendor contract + SLA fine
A1	Assumption	Azure budget approved	CTO	Monthly checkpoint with finance
I1	Issue	Dev env down twice a week	Infra	Create parallel staging environment
D1	Dependency	Aadhaar eKYC API cert renewal needed	SecOps	Tracker with auto-renew reminders

🔹 Squad-Level RAID Logs

✅ Squad 1 (Onboarding)

Type	Item	Mitigation
R	Aadhaar API downtime	Retry + fallback mode (mock data)
I	Missing test data	Create synthetic data with masking

✅ Squad 2 (Payments)

Type	Item	Mitigation
D	UPI cert renewal	Jira automation to remind every 90 days
R	Transaction latency during peak	Redis + async pattern introduction

✅ Squad 3 (Engagement & Security)

Type	Item	Mitigation
I	AI Chatbot latency	Local caching, reduce LLM calls
R	Auth bypass if OTP fails	Fallback to email + call center alert

📋 Team Capacity & Velocity

Squad	Avg Velocity	Capacity (hrs/sprint)	Notes
Onboarding	30 SP	280	Good rhythm, 1 new joiner
Payments	35 SP	320	Cross-skilled team
Engagement	25 SP	240	Shared ML resource

📈 Program-Level Dashboard (Jira Advanced Roadmaps + Confluence)

Section	Report
🔹 Epic Progress	% stories completed per Epic
🔹 Sprint Summary	# stories completed, carried forward
🔹 Velocity Trends	Squad-wise graphs over 4 sprints
🔹 Cumulative Flow	Work in various stages across program
🔹 Risk Heatmap	Color-coded Confluence chart
🔹 PI Roadmap	Planned vs actual delivery timeline
🔹 Deployment Metrics	Release frequency, lead time, failure rate

📣 Additional Best Practices

• Definition of Ready (DoR) and Definition of Done (DoD) published on Confluence

• Feature Toggles used for partial releases

• Release Notes auto-generated using Jira release versions

• Jira Automation Rules for alerts (e.g., SLA breach, story aging)

• Sprint Goal Wall on team Miro boards

• Monthly Retrospective Summary shared at program level