Senior Business Analyst – Banking & Financial Services (AI & Digital Lending)

● Lead end-to-end reviews and optimization of banking and financial business processes, especially those related to lending workflows and loan lifecycle management systems (LMS).

● Conduct in-depth requirements analysis, particularly for commercial lending, retail loans, credit workflows, and digital banking transformations.

● Collaborate with stakeholders to gather functional and non-functional requirements related to LMS platforms, AI-based tools, and process automation.

● Prepare and maintain Business Requirement Documents (BRDs), Functional Specifications (FSDs), and user stories for projects involving loan origination, underwriting, disbursal, repayment tracking, and NPA monitoring.

● Drive the implementation and enhancement of AI-enabled banking solutions, including use cases like credit scoring models, automated decision engines, document verification, and customer behavior analytics.

● Effectively communicate plans, deliverables, and insights to cross-functional teams including Risk, Compliance, Operations, QA, WFM, Product, and Technology.

● Perform gap analysis between existing loan systems and proposed AI-driven solutions, recommending improvements for scalability and efficiency.

● Support project planning, manage milestones, monitor deliverables, and ensure timely execution.

● Assist in the definition and maintenance of internal banking procedures, compliance frameworks, and automation SOPs.

● Translate complex business requirements into technical specifications and ensure smooth collaboration between business and tech teams.

● Participate in UAT planning, execution, and feedback tracking, ensuring AI and LMS integrations meet business needs and regulatory standards.

● Continuously research trends in AI applications in BFSI and propose innovative solutions for business impact.

● Graduate in Business Administration, Finance, Economics, IT, or related fields. MBA/CBAP/PMI-PBA certifications are preferred.

● Minimum 5 years of Business Analysis experience, with at least 2–3 years in the BFSI sector, including direct involvement with LMS platforms and lending operations.

● Proven experience in projects involving AI-powered products and digital transformation in banking.

● Strong knowledge of commercial lending systems, credit risk lifecycle, collections, underwriting, and regulatory compliance.

● Familiarity with core banking systems, LOS/LMS platforms, CRM tools, and cloud-based tech stacks.

● Excellent analytical thinking, documentation, and reporting skills.

● Proficiency in BA tools – JIRA, Confluence, MS Visio, Excel, Power BI, SQL, etc.

● Strong communication and stakeholder management skills, with the ability to bridge business and technical teams.

● Experience working in Agile/Scrum environments.