Senior SME Lending Business Analyst | Banking Transformation

LUXOFT INFORMATION TECHNOLOGY (SINGAPORE) PTE. LTD.; Singapore; Vor Ort; SGD 120.000 - 180.000; Vollzeit

Zusammenfassung

Luxoft Information Technology (Singapore) Pte. Ltd. is seeking an experienced Functional Business Analyst to support a banking transformation focused on the SME loan origination journey.

You will work with SME Banking, Credit, Risk and Operations to understand requirements and define functional specifications. You will document end-to-end processes, translate requirements into user stories and acceptance criteria, and assist in SIT/UAT and deployment, ensuring a robust lending solution for SME

Qualifikationen

• 8+ years of working experience
• Strong experience as a Functional Business Analyst in Banking / Financial Services
• Strong functional knowledge of Loan Origination / Lending processes
• Hands-on functional experience in SME / Commercial Lending
• Good understanding of the end-to-end SME loan lifecycle, from application to approval and disbursement
• Strong understanding of loan products, credit assessment, lending processes and approval workflows
• Experience working with Credit, Risk, Operations and SME Banking stakeholders
• Good understanding of business rules, eligibility criteria, credit policies and approval authorities
• Experience in requirements gathering, business process analysis and functional documentation
• Strong experience preparing BRDs, FRDs, process flows, user stories and acceptance criteria
• Strong experience in SIT and UAT coordination and business validation
• Strong stakeholder management and communication skills
• Ability to work with business users and delivery teams in a large banking transformation programme

Aufgaben

• Work closely with business stakeholders, SME Banking, Credit, Risk, Operations and other relevant teams to understand SME lending requirements.
• Understand and document the end-to-end SME loan origination process, from customer application through assessment, approval and loan disbursement.
• Analyse existing lending processes and identify opportunities for process improvement and system enhancements.
• Gather, analyse and document business and functional requirements.
• Translate business requirements into clear functional requirements, user stories and acceptance criteria.
• Understand requirements around SME customer onboarding, loan applications, credit assessment, approval workflows and loan processing.
• Understand and document business rules, eligibility criteria, credit policies, approval authorities and workflow requirements.
• Analyse requirements related to SME loan products, facilities, limits, pricing, fees, collateral and repayment terms.
• Work with Credit and Risk teams to understand credit assessment and decision-making requirements within the loan origination process.
• Identify process gaps, dependencies and impacts across upstream and downstream banking processes.
• Prepare functional specifications, process flows, business requirement documents and other project documentation.
• Conduct requirement walkthroughs and obtain agreement and sign-off from business stakeholders.
• Work closely with the implementation team to clarify functional requirements and ensure the delivered solution meets business expectations.
• Support SIT and UAT activities by preparing test scenarios, reviewing test cases and coordinating with business users.
• Support defect analysis by clarifying expected business behaviour and validating fixes.
• Coordinate with business stakeholders during UAT and support successful implementation of changes.
• Support production implementation, post-implementation validation and resolution of functional issues.

Jobbeschreibung

Luxoft Information Technology (Singapore) Pte. Ltd. is seeking an experienced Functional Business Analyst to support a banking transformation focused on the SME loan origination journey.

You will work with SME Banking, Credit, Risk and Operations to understand requirements and define functional specifications. You will document end-to-end processes, translate requirements into user stories and acceptance criteria, and assist in SIT/UAT and deployment, ensuring a robust lending solution for SME