Job Description

Description - Internal

JD for Business Analyst (Retail, Wholesale and Commercial Finance) Origination

Location : Pune



Origination Position with following skills

Key Words (Originations): Loan Onboarding-Workflow, Processes, Approval Lines/Rule Matrix, Credit Underwriting, Calculation Methods, Tax Norms (Local ,Global), Lending Regulatory Knowledge, Document Management, Accounting – Cashflow/Fundsflow ( IFRS, iGAAP), (Exposure in Retail, Wholesale & Commercial lending preferred)



Key Words (Business Analysis):Problem assessment, Solution Pitch, Requirement Assessment, Solution Customization, Requirement Gathering, Technical Documentation, Software Development, API Integration, Implementation Support, UAT, Demo, Training, User Documentation.



Key Words (Project Management):Work Breakdown, Roadmap, Efficiency Management, Status Tracking, Business Presentation, Workforce Management, Agile, Scrum.



Key Words (Technology): MS Office Complete Suit, Visio, JIRA, Confluence, Oracle, MS SQL.



Business Analysis skills:

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  Functional expertise and proven competencies in the Lending domain is a must, particularly in the Wholesale and Commercial Finance. Exposure in Auto Servicing (Loan/Lease) for banks/captive finances coupled with good analytical skills is an added advantage

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  Knowledge of Corporate Lending, Commercial loan/lease originations, credit, pricing, loan servicing, collections and accounting with expertise in at least one of the areas

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  Proficient in understanding process/product requirements and converting those into functional requirements/specifications while ensuring they are in line with the business objectives

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  Strong communication skills and strong client facing skills

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  Adept in conducting Gap Analysis with client requirements and legacy product to ensure that the proposed model is supported by the system

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  Extensively document user stories

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  Proficiency to adapt agile methodologies and processes: Effectively co-ordinate with cross-functional/cross located agile teams

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  Carry out feasibility studies and coordinate with technical teams to complete acceptance criteria and provide support to develop/enhance the product

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  Work in collaboration with the QA (Quality Assurance) team to review all test scenarios and test cases to ensure maximum coverage of business functionality

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  Prepare and communicate periodic reports detailing Team's progress on the work assigned. Proactively highlight any foreseen risk with respect to the deliverables

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  Provide business requirement specifications walk-through to project stakeholders and conduct turn-over sessions with business users

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  Makes recommendations to improve business processes and provide financial or operational business related analysis and research to support business goals

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  Assisting junior/other business analysts in functional and product knowledge and providing domain-related expertise to Delivery Teams

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  Uses regulatory norms and business processes as guidelines to arrive at the solution while ensuring process adherence

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  Keeping oneself in regular touch with new / changing trends in Auto Finance Industry

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  Experience of requirement gathering, solution, design and implementation of any leasing or lending product (LoanPath, Finnone, Finacle , InfoLease, Odessa, LeaseWave, FLEXCUBE, etc.)

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  Ability to understand and provide solutions for data migration and integration

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  Good working knowledge of SQL (queries)

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  Fundamental understanding of database design concepts

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  Oversight of the change-management process (data conversion, user training, integration…)

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  Own and execute configurations in line with business requirements

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  Implementation and reconciliation support to business users and stakeholders

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  B. Tech/ B. E./ B.Com + MBA (Finance) with 6-12 years’ experience.
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  Bachelor’s degree in Accounting, Finance, Statistics, or Economics with a Master’s in Business Administration or a similar field would be preferred.
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  Customer facing skills and stakeholder management experience are key attributes of the role.