Business Analyst / Product Owner

Anyworks In; Bengaluru; On-site; INR 1,500,000 - 1,900,000; Full time

Job summary

Anyworks In is seeking a skilled Business Analyst with Product Owner experience to join our Digital Lending Financial Products team in Bengaluru. This role focuses on requirement gathering, process design, product strategy support, and cross-functional delivery across Retail and Corporate Lending domains.

The ideal candidate will bring strong business analysis capability, deep lending domain knowledge, and hands-on experience managing backlogs in an Agile environment.

Qualifications

• Experience in requirements gathering, BRDs, and user stories with acceptance criteria.
• Hands-on backlog management for Retail, SME, and Corporate Lending modules.
• Strong knowledge of lending domain and cross-functional delivery in Agile environments.

Responsibilities

• Lead requirement gathering through workshops and stakeholder sessions.
• Create BRDs, FSDs, User Stories and acceptance criteria; map processes.
• Own and manage product backlog for lending modules; prioritize by value and timelines.
• Collaborate with Engineering and Design for sprint planning and releases.
• Ensure compliance with policy, onboarding, underwriting, and collections workflows.
• Prepare test cases; support SIT/UAT and validate deployments.

Skills

Business Analysis

Product Ownership

Agile & Scrum

Stakeholder Management

Tools

Jira

Confluence

Job description

We are looking for a highly skilled Business Analyst who has also worked as a Product Owner to join our Digital Lending Financial Products team. This is a functional role responsible for requirement gathering, process design, product strategy support, and cross-functional delivery across Retail and Corporate/SME Lending domains.

The ideal candidate will have strong business analysis capability, deep lending domain knowledge, and hands-on experience managing product backlogs in an Agile environment.

Key Responsibilities

A) Business Analysis Requirements Management

Lead requirement gathering through workshops, interviews, and stakeholder sessions. Prepare BRDs, FSDs, User Stories, Acceptance Criteria, and detailed process flows. Translate business needs into clear, testable functional requirements. Perform gap analysis, impact analysis, and workflow mapping across lending systems. Work closely with compliance, credit, operations, and risk teams for requirement validation.

B) Product Ownership

Own and manage the product backlog for Retail Lending, SME Lending, and Corporate Lending modules. Prioritize user stories and features based on business value, dependencies, and timelines. Collaborate with Engineering and Design teams for sprint planning and execution. Participate in daily Agile ceremonies, sprint demos, and retrospectives. Monitor product performance and ensure timely delivery of releases.

C) Lending Domain Expertise

• Retail Lending: Personal Loans, Auto Loans, Home Loans, Credit Lines, Consumer Finance.
• Corporate SME Lending: Working Capital, Term Loans, Revolving Facilities, Trade Finance, POS Financing.

Support formulation of new lending products, digital workflows, and lending automation strategies. Understand credit policy, onboarding processes, underwriting, disbursement flows, and collections lifecycle.

D) Process Design Optimization

Document As-Is processes and design To-Be workflows for end-to-end lending operations. Identify manual bottlenecks and propose improvements to enhance efficiency and STP (Straight Through Processing). Work with technology teams to ensure seamless integration between LOS, LMS, CBS, and other subsystems.

E) Stakeholder Management

Act as the central liaison between Business Teams, Technology, Credit, Operations, and Leadership. Conduct requirement walkthroughs, design reviews, and system demonstrations. Manage stakeholder expectations, dependencies, and change requests.

F) Testing, Validation Release Support

Prepare test cases and validate functionality during SIT and UAT cycles. Support business users during UAT and issue triaging. Validate production deployments and ensure release readiness. Prepare documentation such as SOPs, release notes, and training guides.