Business & Functional Analyst

Tata Consultancy Services Limited; New York (NY); On-site; USD 90,000 - 110,000; Full time

Job summary

Tata Consultancy Services Limited in New York seeks a senior Business Analyst specializing in Lending and Credit Risk to join Agile teams. You will lead requirement workshops, translate business needs into user stories, and partner with Product Owners to shape the backlog.

The role requires 6+ years onsite experience, deep knowledge of banking IT, API design, data mapping, and end-to-end lending processes. You will collaborate with engineers and QA to ensure delivery in Scrum.

Qualifications

• Experience in lending and credit risk domains is essential.
• Proven ability to gather and refine requirements for large IT solutions.
• Experience creating user stories, epics and acceptance criteria in Agile environments.

Responsibilities

• Lead requirement gathering and analysis workshops with Lending, Credit Risk, and stakeholders.
• Convert business requirements into well-defined User Stories, Epics, and Acceptance Criteria.
• Collaborate with Product Owners to prioritize the backlog and define end-to-end lending and credit risk processes.
• Document specifications, data mappings, API requirements and integration workflows.
• Support SIT/UAT, defect triage and ensure successful agile deliveries.

Skills

Business Analysis

Education

Bachelor of Computer Science

Job description

Job Description

Must Have Technical/Functional Skills

• Business Analyst in Lending and Credit Risk domain (Private Individual clients)
• Minimum 6+ years of onsite professional working experience required.
• Broad experience (also practical) in requirements engineering for large-scale IT solutions as part of scrum teams (working directly with the engineers)
• Broad experience (also practical) in detailing and creation of User Stories as well as concepts and specifications for agile delivery teams
• Good analytical and communication skills, strong independence and initiative, ability to work in agile delivery teams
• Knowledge of Banking IT (e.g., Frontends & Channels and Cloud Knowhow) and experience in Lending processes and Credit Risk workflows.
• Experience in API design (swagger definition) and data mapping.
• Strong background in systems integrations based on data-driven API's.

Roles & Responsibilities

• Lead requirement gathering and analysis workshops with Lending, Credit Risk, and business stakeholders.
• Convert business requirements into well-defined User Stories, Epics, and Acceptance Criteria for Agile teams.
• Collaborate closely with Product Owners to maintain and prioritize the product backlog.
• Define and document end-to-end lending, credit assessment, and credit risk business processes.
• Create functional specifications, process flows, business rules, and solution design documents.
• Analyze and define API requirements, including Swagger/Open API specifications and integration workflows.
• Perform source-to-target data mapping and ensure accurate data flow across integrated systems.
• Work directly with developers and QA teams to clarify requirements and support sprint delivery.
• Support SIT/UAT testing, defect triage, and business validation to ensure requirements are met.
• Act as the liaison between business, technology, and external stakeholders, ensuring successful delivery of lending and credit risk solutions in an Agile Scrum environment.

Salary Range: $90,000 to $110,000 per year

Location

New York, NY

Function

TECHNOLOGY

Role

Business Analyst

ID

432173

Skills

Business Analysis

Salary Range

$90,000 - $110,000

Desired Candidate Profile

Qualifications

BACHELOR OF COMPUTER SCIENCE