Senior Credit Risk and Lending IT Business Analyst

You will be working for a leading entity in the financial services industry. The role involves bridging business needs and technology to drive development and implementation of solutions across the credit lifecycle, focusing on risk management, operational efficiency, and colleague experience through data, automation, and AI.

• At least 7 years experience as an IT Business Analyst in financial services with strong credit risk and lending knowledge.
• Practical understanding of credit lifecycle including origination, analysis, decisioning, monitoring, and reporting.
• Proven experience delivering technology, data, automation, or AI-enabled solutions from framing to implementation.
• Experience working with software engineering and data teams on complex data flows, integrations, or analytics.
• Excellent requirements engineering skills: interviews, workshops, process modeling, data analysis, user stories, acceptance criteria, specifications.
• Ability to understand complex business rules and data dependencies and communicate clearly.
• Strong analytical, problem-solving, and critical thinking skills.
• Outstanding communication, facilitation, negotiation, and stakeholder management.
• Hands-on experience with Agile methodologies in multidisciplinary environments.
• Proactive workspace management and ownership of outcomes from discovery to delivery.

Nice to have:

• Certifications in Business Analysis or Agile methodologies.
• Experience with financial regulation frameworks.

• Lead structured discovery sessions with business stakeholders, subject matter experts, product owners, data specialists, and engineering teams.
• Translate credit and lending problems into business requirements, functional specifications, user stories, acceptance criteria, and process models.
• Define and document current and target-state processes across origination, analysis, decisioning, monitoring, and reporting.
• Identify technology, data, automation, and AI solution opportunities to enhance risk management and operations.
• Collaborate with software engineers, data specialists, and product owners to create detailed requirements.
• Contribute to solution evaluation, readiness, rollout, and continuous improvement.
• Analyze data flows, business rules, controls, and dependencies; validate solutions with technical teams.
• Act as senior contact between business and technology teams, resolving ambiguities and supporting decision-making.
• Challenge requirements constructively and assess options and trade-offs.
• Support Agile practices including backlog management, refinement, sprint planning, reviews, and retrospectives.
• Facilitate solution validation, user acceptance testing, implementation, and adoption.
• Ensure compliance with internal controls, data governance, security, and regulatory obligations.

Only candidates with an existing legal right to work in the European Union will be considered for this role.