Senior Business Analyst Credit Consultant

Keystone Solutions; Brussel Hoofdstad; Hybrid; EUR 90,000 - 110,000; Full time

Job summary

Keystone Solutions is seeking a Senior Business Analyst Credit Consultant for a Brussels-based consultancy assignment. You will be hired by Keystone Solutions and represent us in the client environment, working 50% on site and 50% from home.

Responsibilities include translating business needs, analyzing requirements, collaborating with stakeholders and IT, and applying Agile practices within credit-related processes. Banking industry experience is essential.

Qualifications

• Master's degree or equivalent experience.
• Fluent English and at least one national language.
• Experience in banking industry and risk & credits.

Responsibilities

• Understand, translate and communicate business needs and identify opportunities for improvement.
• Gather and analyze requirements, perform impact analysis and translate them into functional specs.
• Apply Agile practices, refine features, and support delivery with product owners and IT partners.
• Collaborate with stakeholders, architects and developers to understand integration flows and API needs.
• Support testing phases, organize UAT, and assist with release validations.

Skills

Stakeholder management

Agile methodology

Requirement analysis

Functional analysis

API integration

COBOL familiarity

Java APIs

Banking industry

Education

Master's degree

Tools

COBOL

Java APIs

Job description

Senior Business Analyst Credit Consultant

Keystone Solutions is looking for a Senior Business Analyst Credit for a consultancy mission with our client in Brussels. You will be hired by Keystone Solutions and represent us within the client environment, working 50% on site and 50% from home. All responsibilities below will be carried out under Keystone Solutions' consultancy model.

Mission Overview:

You will support a Risk & Credits tribe whose objective is to deliver digital, transparent, simple, timely, sustainable and compliant lending solutions. Its activities cover the entire credit lifecycle, from initial requests and contract finalisation through subsequent credit adjustments to full repayment.

You will work within an In Life cluster whose squads support lending products, services and applications for all types of customers, from client contracting through management of the credit portfolio. The squad manages systems of record for credit-related data. The broader transformation organisation drives strategic evolution with a focus on value creation, operational simplicity, performance optimisation and seamless experiences for colleagues and customers.

Key Responsibilities:

• Understand, translate and communicate business needs and identify opportunities for improvement.
• Work closely with stakeholders to understand, set up or design and optimise business solutions, applying a solid understanding of business strategy, operational processes and the technology and product knowledge required to develop these solutions.
• Take care of requirements gathering and analysis and contribute to impact and scenario studies and analyses, using product and application knowledge to translate business requirements into functional requirements.
• Maintain good knowledge of the functionalities of applications supporting the processes and products within your scope.
• Apply technical affinity with COBOL applications, integration with Java applications and process-layer configuration. Analyse API-related needs, understand functional integration flows and discuss application behaviour with IT stakeholders including Functional Analysts, developers and architects.
• Maintain good knowledge of the internal and external stakeholders involved in the credit process and ensure alignment on progress, timelines and objectives.
• Validate and challenge new requirements with stakeholders through full impact analysis and by linking needs to associated costs, in close collaboration with Process Engineers, Functional Analysts, developers, IT architects and other relevant parties.
• Collect and understand stakeholder needs and define acceptance criteria.
• Apply profound knowledge of the Agile Way of Working, including refinement and delivery processes, QAP, sprint ceremonies and interactions between different roles.
• Act as a key contributor to feature slicing, collaborating closely with Product Owners, Initiative Owners and Opus Owners to determine the ideal slicing of deliveries.
• Act as a key contributor to feature refinement by supporting the identification of impacts, dependencies and possible risks and working with Product Owners, architects, Data Managers and stakeholders across Legal, Compliance and Risk.
• Support the testing phase by clarifying business requirements and purposes and lead incident closure in collaboration with Functional Analysts and developers.
• Participate in feature testing and support the creation of feature test plans by determining needs and identifying UAT participants.
• Provide support during functional testing, assist with the organisation of User Acceptance Testing where applicable, and attend Business Acceptance Testing and release validations.
• Contribute to incident resolution where functional aspects are key to understanding or resolving the issue.

Experience and Knowledge:

• At least 3 to 5 years of relevant experience.
• Mandatory: good knowledge of the functionalities of applications supporting the processes and products within your scope.
• Mandatory: technical affinity with COBOL applications, Java APIs and process-layer configuration.
• Mandatory: ability to analyse API-related needs, understand functional integration flows and discuss application behaviour with Functional Analysts, developers and architects.
• Mandatory: experience in the banking industry.
• Mandatory: experience in Risk & Credits, including end-to-end knowledge of credit products.
• Mandatory: knowledge and experience with Agile methodology.
• No additional preferable technical or business experience is specified.

Education, Languages and Other Requirements:

• Master's degree or equivalent experience.
• Fluent English and at least one national language, with passive understanding of the other national language.
• No specific certification is required.
• No travel requirement is specified.
• Expected working arrangement: 50% on site and 50% homeworking.

Soft Skills:

• Excellent analytical skills and the ability to structure and model.
• Structured approach and strong stakeholder management skills.
• Efficient facilitator and communicator, both orally and in writing.
• Ability to convince, influence and negotiate.
• Driven and tenacious in finding creative solutions.
• Customer-oriented and driven to meet expectations.
• Strong team player.

Why Keystone Solutions:

As a Keystone Solutions consultant, you build your identity through hands-on client engagements while remaining part of the Keystone Solutions team. Our consultancy model gives you exposure to dynamic projects and diverse challenges across client environments, creating turbo-charged learning opportunities that broaden your business, functional and technical expertise.

We support skyrocketing ambition by providing a framework in which each mission contributes to your professional development and long-term career growth. Being a K-Stone means bringing our core values to every engagement while combining client impact, adaptability, collaboration and continuous development.