Credit Risk Business Analyst (Lending/Mortgage experience)

CAPGEMINI ENGINEERING; London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading company is seeking a Credit Risk Business Analyst with expertise in lending and mortgage practices. The role involves documenting processes, developing a Target Operating Model, and engaging with various stakeholders to ensure compliance and efficiency. Ideal candidates will have a strong understanding of credit risk and valuation methodologies in real estate.

Qualifications

• Good understanding of credit risk lending practices for residential mortgage.
• Familiarity with valuation methodologies for real estate properties.

Responsibilities

• Document processes and define the Target Operating Model (TOM).
• Develop process maps to visualize workflows and dependencies.
• Engage with credit risk operations and compliance teams.

Skills

credit risk lending practices

valuation methodologies

Job description

Credit Risk Business Analyst (Lending/Mortgage experience)

Job Title: Credit Risk Business Analyst (Lending/Mortgage experience)

Location: London

Type of role: Permanent

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Your Role:

The Business Analyst will play a critical role in documenting processes, defining the Target Operating Model (TOM), and ensuring seamless integration of policy, operations, technology, and data.

Process Documentation & Mapping:

• Capture current state processes related to credit operations for HNW real estate financing products.
• Define future state processes, ensuring compliance with PRA Rulebook Article 124D.
• Develop process maps to visualize workflows, dependencies, and bottlenecks.

Target Operating Model (TOM) Development:

• Design the TOM covering policy, process, operations, technology, and data.
• Identify gaps between current and future states and propose solutions.
• Define roles and responsibilities for key stakeholders in the new operating model.
• Engage with credit risk operations teams, legal & compliance teams, and technology partners.

Your Profile:

• Good understanding of credit risk lending practices for residential mortgage, prime, and luxury real estate markets.
• Familiarity with valuation methodologies for real estate properties in line with PRA regulations, particularly Article 124D.
• Experience in setting up TOM for new reporting workstreams.

About Capgemini

Capgemini is a global business and technology transformation partner, helping organizations accelerate their digital and sustainable transitions while creating tangible impact for enterprises and society. With over 55 years of heritage, 350,000 team members across more than 50 countries, and 2023 global revenues of €22.5 billion, Capgemini is trusted to unlock the value of technology through end-to-end services—from strategy and design to engineering—powered by AI, cloud, and data expertise, complemented by deep industry knowledge and a strong partner ecosystem.