Business Analyst - Credit Risk

Key ResponsibilitiesCollaborate with business, credit risk, analytics, regulatory, and technology stakeholders to gather, analyze, and document business requirements.Prepare Business Requirements Documents (BRDs), Functional Requirements Documents (FRDs), user stories, process flows, and data mapping documents.Analyze credit risk workflows, including loan origination, underwriting, credit rating, limit management, risk monitoring, and reporting.Support the implementation of credit risk models and frameworks, including Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Expected Credit Loss (ECL).Support regulatory initiatives related to Basel III/IV, IFRS 9, CECL, CCAR, and stress testing.Perform SQL-based data analysis, reconciliation, and validation of risk data sourced from multiple banking systems.Support data mapping, data lineage, data quality, and traceability activities.Coordinate User Acceptance Testing (UAT), including test planning, test case preparation, execution, and defect management.Facilitate stakeholder meetings, requirement workshops, and solution walkthroughs.Work with Agile teams using Jira and Scrum methodologies.Maintain end-to-end traceability of requirements from business needs through solution design, testing, and deployment.

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Required Skills and QualificationsStrong knowledge of credit risk management processes and banking products.Experience in wholesale banking, commercial lending, corporate banking, or retail credit risk.Proven business analysis skills, including requirement gathering, process modeling, documentation, and stakeholder management.Knowledge of Basel III/IV, IFRS 9, CECL, CCAR, or stress testing frameworks.Hands-on experience with SQL for data analysis, reconciliation, and validation.Experience with BRDs, FRDs, user stories, process flows, and functional specifications.Strong understanding of data mapping, data lineage, and data reconciliation.Experience with UAT, test case preparation, defect tracking, Jira, Agile, and Scrum.Excellent communication, analytical, problem-solving, and documentation skills.
Preferred SkillsExperience with credit risk or financial risk platforms such as Moody's, MSCI RiskMetrics, AxiomSL, SAS, FIS, or Murex.Knowledge of BCBS 239 and risk data aggregation and reporting.Exposure to data warehousing, data governance, and business intelligence reporting tools.Familiarity with cloud platforms and AI-driven risk analytics solutions. xzbcwsv Relevant certifications such as CBAP, FRM, CFA, PMP, or Agile certifications.