Senior Business Analyst – Lending & Credit Risk

Note: We are specifically looking for candidates with strong Lending and Credit Risk domain experience, preferably with exposure to Consumer/Private/Individual Lending, Credit Assessment, Credit Risk, and Lending processes. Generic Business Analyst profiles without hands-on Lending & Credit Risk experience will not be considered.

• Job Description AND Must Have Technical/Functional Skills
• Must Have Technical/Functional Skills:
• • Business Analyst in Lending and Credit Risk domain (Private Individual clients)
• • Minimum 6+ years of onsite professional working experience required.
• • Broad experience (also practical) in requirements engineering for large-scale IT solutions as part of scrum teams (working directly with the engineers)
• • Broad experience (also practical) in detailing and creation of User Stories as well as concepts and specifications for agile delivery teams
• • Good analytical and communication skills, strong independence and initiative, ability to work in agile delivery teams
• • Knowledge of Banking IT (e.g., Frontends & Channels and Cloud Knowhow) and experience in Lending processes and Credit Risk workflows.
• • Experience in API design (swagger definition) and data mapping.
• • Strong background in systems integrations based on data-driven API’s.

• Roles & Responsibilities
• • Lead requirement gathering and analysis workshops with Lending, Credit Risk, and business stakeholders.
• • Convert business requirements into well-defined User Stories, Epics, and Acceptance Criteria for Agile teams.
• • Collaborate closely with Product Owners to maintain and prioritize the product backlog.
• • Define and document end-to-end lending, credit assessment, and credit risk business processes.
• • Create functional specifications, process flows, business rules, and solution design documents.
• • Analyze and define API requirements, including Swagger/Open API specifications and integration workflows.
• • Perform source-to-target data mapping and ensure accurate data flow across integrated systems.
• • Work directly with developers and QA teams to clarify requirements and support sprint delivery.
• • Support SIT/UAT testing, defect triage, and business validation to ensure requirements are met.
• • Act as the liaison between business, technology, and external stakeholders, ensuring successful delivery of lending and credit risk solutions in an Agile Scrum environment.