Technical Business Analyst

Job Summary

We are looking for an experienced Technical Business Analyst with expertise in banking, financial services, and credit systems. The candidate will work closely with business stakeholders, product owners, developers, QA teams, and architects to gather requirements, analyze business processes, and translate business needs into technical solutions.

The ideal candidate should have a strong understanding of banking and lending products, credit risk, financial operations, data analysis, and software development life cycle (SDLC).

Key Responsibilities

• Business Requirements Analysis: Gather, analyze, and document business and functional requirements from stakeholders.
• Technical Documentation: Prepare Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), Software Requirement Specifications (SRS), user stories, and acceptance criteria.
• Banking & Credit Domain: Analyze credit products, loan origination, loan servicing, credit underwriting, credit scoring, repayment schedules, and delinquency management.
• System Analysis: Translate business requirements into technical specifications, system workflows, interface requirements, and data mappings.
• Stakeholder Management: Collaborate with business users, developers, QA engineers, product managers, and external vendors.
• Data Analysis: Use SQL to extract, validate, and analyze financial and transactional data.
• API & Integration Analysis: Understand REST APIs, JSON/XML payloads, system integrations, and data exchange between banking applications.
• Process Modelling: Create process flows, UML diagrams, use cases, and workflow diagrams using tools such as Visio, Lucidchart, or Draw.io.
• Testing & Validation: Support SIT, UAT, defect analysis, test scenario preparation, and business sign-off.
• Agile Delivery: Participate in sprint planning, backlog refinement, daily stand-ups, sprint reviews, and retrospectives.
• Compliance & Risk: Ensure solutions align with relevant banking regulations, internal controls, data privacy requirements, and risk management policies.
• Production Support: Investigate system issues, perform root-cause analysis, and coordinate with technical teams to resolve business-critical problems.

Required Technical Skills

• SQL and database querying
• Advanced Excel and data analysis
• REST APIs, JSON, XML, and API testing tools such as Postman
• Jira and Confluence
• Visio, Lucidchart, or Draw.io
• SDLC, Agile/Scrum, and Waterfall methodologies
• Functional specifications, data mapping, and process modelling
• Basic understanding of system architecture, integrations, and relational databases
• Testing tools and defect management processes

Banking / Credit Domain Knowledge

Candidates should have experience or knowledge in the following areas:

• Retail and commercial banking
• Credit origination and underwriting
• Personal loans, mortgages, credit cards, and business loans
• Credit scoring and credit risk assessment
• Loan management systems and repayment processing
• Interest calculation, fees, penalties, and amortization
• Delinquency, collections, and default management
• Customer onboarding, KYC, and AML processes
• Financial transactions, reconciliations, and account management
• Regulatory reporting and audit requirements

Qualifications and Experience

• Bachelor's degree in Computer Science, Information Technology, Finance, Business Administration, or a related field.
• Typically, 3 8 years of experience in business analysis, preferably in banking, credit, or financial services.
• Experience working on technology-driven banking or lending projects.
• Strong analytical, communication, problem-solving, and documentation skills.
• Ability to communicate effectively with both business stakeholders and technical teams.

Key Deliverables

• Business Requirement Document (BRD)
• Functional Requirement Document (FRD)
• User stories and acceptance criteria
• Business process and workflow diagrams
• API specifications and data mapping documents
• SQL-based data analysis and reconciliation reports
• SIT/UAT test scenarios and sign-off documentation
• Gap analysis and impact assessment reports