Business Analyst – Credit & Risk Excellence ( Relocation to Qatar)

Virtusa is a technology company focusing on engineering excellence and AI-first mindset to co-create solutions that help businesses grow and operate smarter. The role is located in Doha, Qatar, and involves international projects within banking and finance sectors, specifically credit and risk excellence.

• Bachelor’s degree from a recognized university in Banking, Finance, Accounting, Economics, Business Administration, Risk Management, Mathematics, Statistics, Information Technology, or related field.
• Relevant professional qualifications in credit risk, banking, finance, data analytics, business analysis, process improvement, or project management are preferred.
• Minimum 7 years of relevant banking experience, preferably with an international bank, with exposure to Credit Risk, Corporate Banking, Wholesale Banking, Risk Analytics, Credit Governance, or Business Analysis.
• Experience in credit transformation, risk management, policy enhancement, process redesign, governance, portfolio analytics, credit risk reporting, management information, or RAROC-related analysis preferred.
• Experience in process mapping, requirements gathering, procedure documentation, testing, implementation support, and cross-functional coordination.
• Excellent oral and written communication skills in English and Arabic, including report writing.
• Strong interpersonal, facilitation, stakeholder coordination, and presentation skills.
• Strong understanding of banking laws, regulations, credit risk principles, and governance practices.
• Good understanding of Wholesale and Corporate Banking portfolios, products, credit processes, and approval structures.
• Working knowledge of RAROC, risk-adjusted performance metrics, profitability analysis, capital consumption, and portfolio analytics.
• Strong analytical and problem-solving skills with ability to interpret credit, financial, portfolio, and risk data.
• Strong process mapping, business requirements gathering, and policy documentation skills.
• Ability to prepare business requirements, functional specifications, process flows, procedure documents, dashboards, and management reports.
• Strong attention to detail, accuracy, consistency, traceability, and version control.
• Ability to identify data-quality issues, process gaps, control weaknesses, and implementation risks.
• Ability to make decisions within delegated authority and follow through on initiatives.
• Strong integrity, accountability, self-management, planning, organisation, prioritisation, and time management.
• Results-oriented, able to manage multiple assignments and meet deadlines.
• Ability to communicate effectively with all levels of management.
• Proficiency in relevant analytical, reporting, presentation, process-mapping, and project-documentation tools.

• Analyse portfolio performance, credit quality, profitability, capital utilisation, concentration levels, and risk-adjusted returns across sectors, products, client segments, and geographies.
• Support development and application of RAROC methodologies and risk-adjusted performance measures for credit and portfolio decision-making.
• Prepare portfolio analysis to identify opportunities around risk-adjusted profitability, capital efficiency, pricing discipline, and exposure allocation.
• Assess financial and non-financial benefits from credit process, policy, risk appetite, and approval framework enhancements.
• Track benefits realization, implementation milestones, KPIs, and transformation progress.
• Produce management information on portfolio trends, capital consumption, credit quality, and risk-return performance.
• Identify data anomalies, adverse trends, and variances from approved targets and escalate findings.
• Support business cases through baseline data, assumptions, expected benefits, and outcome monitoring.
• Implement KPIs and best practices for the Business Analyst, Credit & Risk Excellence role.
• Promote cost consciousness, efficiency, productivity, and optimization of Bank benefits.
• Act within delegated authority.
• Work with Credit, Risk, Finance, Corporate & Institutional Banking, Wholesale Banking, Technology, Operations, Strategy, and country teams to gather and validate requirements.
• Provide analysis, process documentation, portfolio insights, dashboards, and status reporting to support decision-making.
• Coordinate workshops, interviews, and working sessions covering current-state practices, pain points, controls, and future-state requirements.
• Translate requirements into business requirements, process maps, functional specifications, data requirements, and acceptance criteria.
• Respond to queries regarding portfolio analytics, process design, policy changes, implementation status, risk appetite monitoring, and approval workflows.