Senior Credit Risk and Lending IT Business Analyst

A Kraków-based role at ITDS for a client in the financial services industry focused on credit risk and lending processes. The role involves working with teams to develop and implement innovative credit lifecycle solutions using data, automation, and AI technologies.

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

Nice to have:

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

• Lead discovery sessions with stakeholders, product owners, data specialists, and engineering teams to gather and analyze requirements.
• Translate credit and lending problems into business requirements, functional specifications, user stories, acceptance criteria, and process models.
• Define and document current-state and target-state processes in origination, analysis, decisioning, monitoring, and reporting.
• Identify opportunities for technology, data, automation, and AI solutions to improve risk management and operations.
• Collaborate with software engineers, data specialists, and product owners to create detailed requirements for solutions.
• Contribute to solution evaluation, readiness, rollout, and continuous improvement including AI capabilities.
• Analyze data flows, business rules, controls, and dependencies, validating solutions with technical teams.
• Act as senior contact between business and technology teams, resolving ambiguities and supporting decision-making.
• Challenge requirements constructively, assess options and trade-offs ensuring core business problems are addressed.
• Support Agile practices including backlog management, sprint planning, reviews, and retrospectives.
• Facilitate solution validation, user acceptance testing, implementation, and adoption.
• Ensure solutions comply 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.