Technical Analyst - Credit Risk Systems - Financial Services

EY; Diegem; On-site; EUR 55,000 - 75,000; Full time

Benefits offered by this job

Flexible working arrangements

Extensive training in technical and软值關

Financial services focus

Exposure to large-scale credit risk</n

Job summary

EY is seeking a Technical Analyst specializing in credit risk systems to join our Technology & Innovation Practice in Belgium. You will shape credit risk tech landscapes within banks and financial institutions, applying your experience in risk architectures, data platforms, and agile delivery.

With 1–6 years of relevant experience, you will contribute to transformation programs across origination, IFRS 9, data warehouses, and decision engines while growing leadership capabilities in a dynamic

Qualifications

• Master’s degree in computer science or related field with affinity for risk or quantitative domain.
• 1–6 years of consulting and/or financial services experience with exposure to credit risk or data environments.
• Understanding of SDLC and Agile teams, API integrations, and data platforms in risk contexts.
• Data modelling, risk data flows, and regulatory reporting architectures knowledge is required.
• Cloud computing, SOA, and microservices design foundations are expected.

Responsibilities

• Analyze AS-IS credit risk architecture and identify gaps to target systems and data flows.
• Support solution design with diagrams, UML/ArchiMate models, and design documents.
• Contribute to risk system architecture including decision engines and scoring services.
• Research emerging risk platforms and regulatory requirements (IFRS 9, Basel, CRR).
• Build prototypes for risk data pipelines and integrations.
• Document architecture, data models, and design specs for credit risk platforms.
• Collaborate with risk, IT, data, and business stakeholders to align on architecture and priorities.
• Analyze requirements to ensure regulatory, business, and operational needs are met.
• Pursue continuous learning in credit risk methodologies and software design.

Skills

Agile methodologies

API integrations

Data modelling

Risk data architecture

Cloud computing

Microservices architecture

Stakeholder management

UML/ArchiMate

RESTful services

Communication

Education

Master’s in computer science or related technical field

Tools

UML

ArchiMate

REST APIs

Azure/AWS

Job description

Technology & Innovation Practice

Within the Consulting service line, our Technology & Innovation practice is at the cutting edge of innovation and transformation within the financial services industry. We leverage technology to solve complex business challenges, while helping our clients manage risk and improve their performance.

Our consultants work on the most relevant topics in the industry, with a strong focus on credit risk transformation, such as:

• Designing and implementing credit risk systems (origination, decisioning, rating models, limit management, IFRS 9 engines)
• Streamlining and digitalizing credit processes across the lending lifecycle (onboarding, underwriting, monitoring, collections)
• Integrating risk data platforms and regulatory reporting solutions
• Enhancing data quality, model governance, and risk analytics capabilities
• Conducting IT and business assessments in credit risk environments

We are capable, passionate professionals who are excited about growing their careers by working on projects critical to the financial services sector, through roles such as Project Manager, Business Analyst, Technical Analyst, Scrum Master, Product Owner, Technical Lead, Architect, etc.

The Opportunity

We are currently looking to reinforce our team with Technical Analysts specialized in credit risk systems, who are ready to harness their technical expertise, knowledge of the financial industry and agile mindset to make a transformative impact on our clients’ businesses.

As a Technical Analyst, you will play a critical role in shaping credit risk technology landscapes within banks and financial institutions. With at least 1 to 6 years of relevant experience and a background in financial services, you’ll be an invaluable part of teams delivering transformation across risk architectures and platforms.

This role is ideal for a driven individual with an outspoken ambition to further grow their expertise in credit risk systems, data, and architecture, while developing leadership skills.

Key Responsibilities

• Analyzing the AS-IS credit risk architecture and identifying gaps towards target systems (e.g., origination platforms, rating engines, IFRS 9 solutions, data warehouses), including integrations, APIs and data flows
• Supporting solution design by developing diagrams, models and design documents (UML, ArchiMate) for credit risk systems and end-to-end lending flows
• Contributing to credit risk system architecture, including components such as decision engines, scoring/rating services, collateral management and exposure calculation
• Conducting technology research on emerging risk platforms, regulatory requirements (e.g., IFRS 9, Basel, CRR), and architectural patterns for risk systems
• Building prototypes or proof-of-concepts for risk data pipelines, integrations, or analytical components
• Documenting architecture and solutions, including system landscapes, data models, and design specifications for credit risk platforms
• Collaborating with stakeholders (risk, IT, data, business) to align on architecture, requirements, and delivery priorities across the credit lifecycle
• Analyzing and validating requirements, ensuring that credit risk solutions meet regulatory, business, and operational needs
• Continuous learning in credit risk methodologies, data architectures, and software design principles

Required Qualifications

• Educational background: Master’s degree in computer science or a related technical field, with a demonstrated affinity for the risk or quantitative domain. A strong academic foundation in areas such as data structures, algorithms, statistics, or financial mathematics is highly valued, along with exposure to topics like risk modelling, analytics, or quantitative methods applied within financial services.
• Professional experience: 1 to 6 years of experience in consulting and/or financial services, with exposure to credit risk, lending, or risk data environments
• Technical expertise:
  • Understanding of the Software Delivery Lifecycle and experience working in Agile teams
  • Experience with APIs and integrations (RESTful services, API management), preferably in risk or data‑intensive environments
  • Experience working on credit risk systems or related data platforms (e.g., origination, IFRS 9, data warehouses)
  • Understanding of data modelling, risk data flows, and regulatory reporting architectures
  • Foundation in cloud computing, service‑oriented architecture, and microservices design
• Other skills:
  • Strong analytical skills, conceptual thinking, and pragmatic problem‑solving
  • Strong stakeholder management and communication skills
  • Ability to collaborate effectively across technical and business teams
  • Certifications such as Agile (Scrum, Product Owner) or Cloud (Azure) are a plus
• Language proficiency: Fluent in Dutch and/or French, with strong business English

What Working At EY Offers

• Be part of a leading global professional services firm
• Join a strong and collaborative team focused on financial services
• Gain exposure to large‑scale credit risk transformation programs
• Benefit from extensive training in both technical and soft skills
• Work with innovative technologies in risk and data domains
• Enjoy flexible working arrangements supporting work‑life balance