Business & Functional Analyst

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

Job summary

Tata Consultancy Services in New York is seeking an experienced Business Analyst to lead requirements for lending and credit risk solutions in an Agile Scrum setting.

You will drive user stories, collaborate with product owners, map data flows, and support testing and delivery across engineering and QA teams.

Qualifications

• 6+ years of onsite professional experience in business analysis
• Experience in requirements engineering for large-scale IT solutions in agile teams
• Experience in detailing and creating User Stories and acceptance criteria
• Good analytical and communication skills, strong independence and initiative
• Knowledge of Banking IT, including Frontends & Channels and Cloud Knowhow, Lending processes and Credit Risk workflows
• Experience in API design and data mapping
• Strong background in systems integrations based on data-driven APIs

Responsibilities

• Lead requirement gathering and analysis workshops with Lending, Credit Risk, and business stakeholders.
• Convert business requirements into User Stories, Epics, and Acceptance Criteria for Agile teams.
• Collaborate 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.

Skills

Lending and Credit Risk domain

Requirements engineering

Agile / Scrum

Stakeholder collaboration

Education

Bachelor's degree in Computer Science

Tools

Swagger/OpenAPI

Data mapping

API integration

Job description

• 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

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)

Additional Functional Experience

• 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

Qualifications

• BACHELOR OF COMPUTER SCIENCE