Lead Business Analyst- Credit Risk Management

EPAM Systems; India; On-site; INR 3,500,000 - 6,000,000; Full time

Job summary

EPAM Systems seeks a Lead Business Analyst to drive requirements gathering, stakeholder engagement, and delivery within a credit risk and commodity trading context. The role requires deep domain knowledge in credit risk concepts and the ability to bridge business and IT teams using Agile and Waterfall methodologies.

You will identify problems, capture requirements, map processes, ensure traceability, and guide workshops while maintaining strong stakeholder relationships across projects.

Qualifications

• 10–15 years of IT experience with IT/Business degree.
• Strong understanding of Credit Risk and derivatives markets.
• Experience with both Agile and Waterfall delivery and requirement management.

Responsibilities

• Identify business problems, value drivers, and requirements and translate them into working functionality.
• Map processes, data flows, and technology to determine value and improvements.
• Document requirements with traceability from business needs to testing and delivery.
• Coordinate with software suppliers, designers, and developers to meet business needs.
• Establish acceptance criteria and support UAT to confirm solution fit.

Skills

Stakeholder management

Requirements gathering

Analytical thinking

Agile & Waterfall delivery

Communication

Self-starter

Workshop facilitation

Education

Bachelor's or Master's in IT/Business Administration

Tools

Excel

SQL

Power BI/Tableau

JIRA

Confluence

Job description

We are looking for a Lead Business Analyst to lead requirements gathering, manage stakeholders, and deliver solutions within a credit risk and commodity trading environment. The right candidate will have strong domain knowledge of credit risk concepts, solid business analysis capabilities, and the skill to connect business and IT teams using both Agile and Waterfall approaches.

Responsibilities

• Identify business problems, value drivers, and functional/non-functional requirements, then convert them into working functionality
• Evaluate risks, feasibility, opportunities, and the business impact of proposed solutions
• Map out processes, data flows, and technology to determine current value, spot issues, and suggest improvements
• Maintain up-to-date documentation of requirements that stays aligned with the solution throughout the project, ensuring traceability from business needs to testing and final delivery
• Collaborate with software suppliers, designers, and developers to understand software constraints while ensuring business requirements and use cases are met
• Set up and document software and processes according to agreed standards and tools
• Establish acceptance criteria and confirm that solutions meet business needs through coordinated testing and UAT support
• Deliver strong business cases that justify solution value and win approval, funding, and prioritization
• Take charge of stakeholder management, large design sessions, and workshops
• Guide teams through business analysis activities across projects
• Train stakeholders, including Product Owners and business partners, on Agile ways of working
• Manage competing priorities while serving as the link between business and IT teams

Requirements

• 10-15 years of IT experience overall, holding a Bachelor's or Master's degree in IT, Business Administration, or a related discipline
• Strong grasp of Credit Risk functions, Commodity Derivatives (both physical and financial), price curves, and credit risk concepts including LGD, ECL, PD, and PFE
• Familiarity with Credit Risk Reporting, covering exposure, credit review, limit reporting, and controls reporting
• Proven track record in requirements management, process and data analysis, and stakeholder engagement, including leading workshops and driving solution alignment
• Skilled in Excel, SQL, Power BI/Tableau, JIRA, and Confluence
• Hands-on experience with both Agile and Waterfall delivery models
• Excellent verbal and written communication skills, capable of turning business needs into clear user stories and specifications
• An analytical thinker who can work independently as a self-starter
• Working knowledge of ETRM systems such as Endur and Aligne

Nice to have

• Capabilities in Business Process Modeling, Change Management, and UI/UX Design Thinking
• Strong background in Data Visualization, Analytics, and Modeling
• Exposure to Generative AI Use Cases and storytelling methods
• Knowledge of the trading lifecycle from pre-deal through settlement
• Awareness of commodity markets and regulatory compliance requirements