Lead Business Analyst- Credit Risk Management

EPAM Systems, Inc.; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Benefits offered by this job

Health benefits

Paid time off

Flexible benefits

Learning opportunities

Job summary

EPAM Systems, Inc. in Bengaluru, India seeks a Lead Business Analyst to manage requirements gathering and oversee solution delivery in a credit risk and commodity trading setting.

You will map processes, data flows, and technology systems, while coordinating with stakeholders to ensure alignment from initial needs to testing and delivery. The role requires familiarity with Credit Risk functions, ETRM systems like Endur/Aligne, and a strong ability to bridge business and IT using Agile and

Qualifications

• Experience in gathering and documenting business requirements for complex credit risk and commodity trading solutions.
• Strong stakeholder engagement, workshop facilitation, and alignment across business and IT teams.
• Proficiency with Excel, SQL, and data visualization tools (Power BI/Tableau) for metrics and insights.

Responsibilities

• Identify business challenges, value drivers, and functional/non-functional needs and translate them into requirements.
• Coordinate with stakeholders and lead design sessions to align on solutions.
• Develop and maintain requirement documents with clear traceability from needs to testing.
• Collaborate with vendors, designers, and developers to ensure constraint-aware implementations.
• Establish acceptance criteria, support testing and UAT, and deliver persuasive business cases.

Skills

Requirements gathering

Stakeholder engagement

Agile methodologies

Waterfall methodologies

Analytical thinking

Communication

Education

Bachelor's/Master's in IT or related field

Tools

Excel

SQL

Power BI/Tableau

JIRA

Confluence

Endur

Aligne

Job description

EPAM is a leading global provider of digital platform engineering and development services. We are committed to having a positive impact on our customers, our employees, and our communities. We embrace a dynamic and inclusive culture. Here you will collaborate with multi-national teams, contribute to a myriad of innovative projects that deliver the most creative and cutting-edge solutions, and have an opportunity to continuously learn and grow. No matter where you are located, you will join a dedicated, creative, and diverse community that will help you discover your fullest potential.We're looking for a Lead Business Analyst to manage requirements gathering, coordinate with stakeholders, and oversee solution delivery in a credit risk and commodity trading setting. The right candidate will possess strong knowledge of credit risk domains, solid analytical capabilities, and the capacity to connect business and IT functions through both Agile and Waterfall methodologies.ResponsibilitiesIdentify business challenges, value drivers, and functional/non-functional needs, then convert them into working functionalityEvaluate the risks, feasibility, opportunities, and business impact associated with proposed solutionsMap out processes, data flows, and technology systems to understand existing value, pinpoint issues, and suggest enhancementsDevelop and maintain clear requirement documentation that stays aligned with the solution throughout the project, ensuring traceability from initial business needs to testing and final deliveryCollaborate with software vendors, designers, and developers to understand technical constraints and confirm that business requirements and use cases are metSet up and document software configurations and processes according to established standards and toolsEstablish acceptance criteria and confirm solutions meet business needs via coordinated testing and UAT supportDeliver persuasive business cases that demonstrate solution value and secure approval, funding, and prioritizationDirect stakeholder engagement efforts, large-scale design sessions, and workshopsGuide teams through the completion of business analysis tasks on projectsTrain stakeholders, including Product Owners and business partners, on Agile methodologiesManage competing priorities while facilitating communication between business and IT teamsRequirements10-15 years of IT experience overall, holding a Bachelor's/Master's degree in IT, Business Administration, or a related disciplineFamiliarity with Credit Risk functions, Commodity Derivatives (both physical and financial), price curves, and credit risk metrics like LGD, ECL, PD, and PFEWorking knowledge of Credit Risk Reporting, covering exposure, credit review, limit reporting, and controls reportingExperience in requirements management, process and data analysis, and stakeholder engagement, including leading workshops and driving alignment on solutionsSkilled in Excel, SQL, Power BI/Tableau, JIRA, and ConfluenceHands-on experience with both Agile and Waterfall delivery approachesExcellent verbal and written communication abilities, capable of turning business needs into clear user stories and specificationsAn analytical thinker who can operate independently as a self-starterExposure to ETRM systems like Endur and AligneNice to haveCapabilities in Business Process Modeling, Change Management, and UI/UX Design ThinkingStrong background in Data Visualization, Analytics, and ModelingKnowledge of Generative AI Use Cases and storytelling approachesGrasp of the trading lifecycle spanning pre-deal through settlementFamiliarity with commodity markets and regulatory compliance requirementsWe offerOpportunity to work on technical challenges that may impact across geographiesVast opportunities for self-development: online university, knowledge sharing opportunities globally, learning opportunities through external certificationsOpportunity to share your ideas on international platformsSponsored Tech Talks & HackathonsUnlimited access to LinkedIn learning solutionsPossibility to relocate to any EPAM office for short and long-term projectsFocused individual developmentBenefit package:Health benefitsRetirement benefitsPaid time offFlexible benefitsForums to explore beyond work passion (CSR, photography, painting, sports, etc.)