Credit Risk Business Analyst

ALP (Computational Finance, AI and Data Engineering); Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Angel Lane Partners (ALP) in Bengaluru specializes in computational finance, data engineering and AI/ML for GCC banks and financial institutions. The Credit Risk Business Analyst will bridge credit/risk IT with ALP's data engineers and quants, gathering requirements and drafting specifications for risk automation and impairment projects.

The role involves working on credit approvals, scoring models, IFRS 9 ECL, and portfolio analytics, with travel across the GCC.

Qualifications

• 2–4 years of experience in credit risk at banks, consultancies or risk software vendors.
• Understanding of corporate and retail credit products and lifecycle.
• Familiarity with PD, LGD, EAD, IFRS 9, ECL and Basel requirements.
• Proficiency in SQL and Python for data extraction and analysis.
• Advanced Excel including lookups, pivots and data validation.
• Experience writing BRDs or FSDs and mapping processes.
• Experience with SIT or UAT.

Responsibilities

• Gather requirements from credit, risk and IT stakeholders; write BRDs, FSDs and user stories.
• Document as‑is and to‑be credit processes across origination to remedial management.
• Translate credit policies into business rules for workflow and decision engines.
• Map source data to target data models; document transformations and gaps.
• Run data quality and portfolio analyses in SQL and Python.
• Support model and rule work including backtesting and calibration.
• Prepare IFRS 9 data and reconciliation; support ECL inputs.
• Create test scenarios; execute SIT/UAT with client users and log defects.
• Build dashboards in Power BI or Tableau to present portfolio analysis.
• Draft client deliverables and training materials; track regulatory requirements.

Skills

Credit risk

SQL

Python

Excel

BRD/FSD drafting

UAT/SIT

Power BI/Tableau

Education

Bachelor's degree in finance/economics/engineering

Master's/MBA/PhD preferred

Tools

SQL

Python (pandas)

Power BI/Tableau

Job description

Job Description –Credit Risk Business Analyst

Experience

2–4 years

Type

Full-time

Location

Bengaluru, with frequent GCC travel

About ALP

Angel Lane Partners (ALP) is a computational finance, data engineering and AI/ML firm with offices in Dubai, London, Bengaluru and Riyadh. We work with banks, financial institutions and government entities across the GCC.

Role Overview

You will work on credit risk engagements for GCC banks, including credit approval automation, rating and scoring models, IFRS 9 ECL and credit risk system implementations. You will act as the link between the bank's credit, risk and IT teams and ALP's data engineers, developers and quants: gathering requirements, analysing data, writing specifications and testing what gets built. You will work under a senior BA or engagement lead.

Travel

The role is based in Bengaluru, with frequent travel to client sites in the GCC, sometimes for several weeks at a time. A valid passport is required.

Key Responsibilities

• Gather requirements from credit, risk and IT stakeholders through interviews and workshops; write BRDs, FSDs and user stories.
• Document as‑is and to‑be credit processes across origination, appraisal, approval, review, monitoring and remedial management.
• Analyse credit policies and delegated authority matrices, and translate them into business rules for workflow and decision engines.
• Map source data (customer, facility, collateral, financial statements, ratings, limits) to target data models; document transformations and gaps.
• Run data quality and portfolio analysis in SQL and Python: completeness checks, segmentation, concentration, and reconciliation to finance and risk reports.
• Support model and rule work: backtesting, rule calibration, override analysis, and preparing PD, LGD and EAD inputs.
• Support IFRS 9 work: staging criteria, SICR triggers, ECL input data and output reconciliation.
• Prepare test scenarios and test cases; execute SIT and UAT with client users; log and track defects to closure.
• Build dashboards in Power BI, Tableau or similar to present portfolio analysis and engagement outputs.
• Draft sections of client deliverables, methodology documents, user manuals and training material.
• Track regulatory requirements relevant to each engagement (CBUAE, QCB, SAMA, Basel) and flag where they affect design.
• Prepare meeting notes, action logs and status inputs for the engagement lead.

Required Skills

• 2–4 years in credit risk at a bank, consulting firm or risk software vendor.
• Understanding of corporate and retail credit products, the credit lifecycle, collateral and internal rating systems.
• Working knowledge of PD, LGD, EAD, IFRS 9 staging and ECL, and Basel capital requirements.
• Coding in SQL and Python (pandas) for data extraction and analysis.
• Advanced Excel: lookups, pivots, data validation and scenario analysis.
• Experience writing BRDs or FSDs and mapping processes.
• Experience with SIT or UAT.

Preferred Skills

• Credit risk system or loan origination system implementation.
• Financial statement spreading and credit appraisal.
• Exposure to GCC regulations (CBUAE, QCB, SAMA).
• Certifications in BI, ML, cloud or infrastructure.
• FRM or CFA, completed or in progress.

Qualifications

• Bachelor's degree in finance, economics, engineering, mathematics or a related field; a master's, MBA or PhD is preferred.
• Clear written English for client-facing documents.
• Able to run working sessions with client credit and IT teams.