- Business Analyst – Lending & Credit Risk
- Job ID: 428041
- Location: New York, NY
- Job Function: Technology
- Role: Business Analyst
- Desired Skill: Business Analysis
- Education: Bachelor’s Degree in Computer Science
- Job Summary
- We are seeking an experienced Business Analyst with strong expertise in the Lending and Credit Risk domain, specifically supporting Private Individual clients. The ideal candidate will have 6+ years of onsite professional experience and a strong background in requirements engineering, Agile/Scrum delivery, lending processes, credit risk workflows, API integrations, and data mapping.
- The candidate will work closely with business stakeholders, Product Owners, Architects, developers, and QA teams to translate business needs into clear functional requirements and deliver effective technology solutions.
- Must-Have Technical & Functional Skills
- Strong Business Analysis experience in Lending and Credit Risk, preferably involving private individual/retail clients.
- Minimum 6+ years of professional onsite experience.
- Strong practical experience in requirements engineering for large-scale IT solutions within Agile/Scrum teams.
- Hands-on experience working directly with developers and engineering teams.
- Strong experience creating and detailing User Stories, Epics, Acceptance Criteria, concepts, and functional specifications.
- Strong analytical, communication, and problem-solving skills.
- Ability to work independently and take ownership within Agile delivery teams.
- Strong knowledge of Banking IT, including Frontends, Channels, and Cloud environments.
- Strong understanding of Lending processes and Credit Risk workflows.
- Experience with API design and Swagger/OpenAPI specifications.
- Strong experience with data mapping and data-driven API integrations.
- Experience with systems integration involving upstream and downstream applications.
- Roles & Responsibilities
- Lead requirements gathering and analysis workshops with Lending, Credit Risk, and business stakeholders.
- Translate business requirements into well-defined User Stories, Epics, and Acceptance Criteria.
- Collaborate with Product Owners to maintain, refine, and prioritize the product backlog.
- Define and document end-to-end lending, credit assessment, and credit risk processes.
- Create functional specifications, process flows, business rules, and solution design documentation.
- Analyze and define API requirements, including Swagger/OpenAPI specifications and integration workflows.
- Perform source-to-target data mapping and ensure accurate data flow across integrated systems.
- Work closely with developers and QA teams to clarify requirements and support sprint delivery.
- Support SIT/UAT testing, defect triage, and business validation.
- Analyze integration requirements and ensure effective data exchange between systems.
- Act as the key liaison between Business, Technology, Product, and external stakeholders.
- Support Agile Scrum ceremonies and contribute to continuous improvement of delivery processes.
- Ensure solutions meet business requirements, functional specifications, and quality standards.
- Required Qualifications
- Bachelor’s Degree in Computer Science, Information Technology, Business, or a related field.
- 6+ years of professional Business Analyst experience.
- Strong domain expertise in Lending and Credit Risk.
- Experience working in Agile/Scrum environments.
- Strong experience in requirements engineering and User Story development.
- Experience with API design, Swagger/OpenAPI, data mapping, and system integrations.
- Strong understanding of banking technology and lending processes.
- Excellent written and verbal communication skills.
- Strong analytical skills with the ability to work independently and collaboratively.
- Preferred Experience
- Experience with retail/consumer lending and private individual clients.
- Experience in banking or financial services environments.
- Exposure to cloud-based banking platforms and digital channels.
- Experience working with large-scale enterprise integrations.
- Experience supporting SIT/UAT and production delivery.
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