Technical BA: SQL & API for Banking Credit Decisioning

Watershed Consulting; Gauteng; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

Watershed Consulting in Sandton, Gauteng, seeks a Technical Business Analyst with 7+ years of banking experience, focusing on credit decisioning, lending systems, and API integrations. You will work on SQL-driven data analysis, API specifications, and decision engines to optimize credit origination and underwriting.

You will bridge business, risk, credit, operations, and technology teams, documenting requirements, conducting workshops, and mapping data flows.

Qualifications

• 7+ years of experience as a Technical Business Analyst or similar role, with a focus on banking, lending, and credit decisioning.
• Bachelor's degree in Computer Science, Information Systems, Finance, Business, or related field (or equivalent experience).
• Proven experience with lending systems, credit decisioning platforms, and credit risk processes.
• Strong SQL skills for data analysis, validation, and reporting.
• Hands-on experience with API integration, API specifications, and working with RESTful APIs.
• Experience with decision engines, scorecards, and decision rule configuration.
• Familiarity with microservices, event-driven architectures, and modern integration approaches.
• Excellent communication, stakeholder management, and workshop facilitation skills.
• Attention to detail, strong analytical mindset, and the ability to translate complex business needs into technical specifications.
• Experience supporting SIT/UAT and production validations in regulated banking environments.

Responsibilities

• Gather, analyze, and document business, functional, and non-functional requirements.
• Conduct workshops with Credit Risk, Underwriting, Operations, Product, and Technology stakeholders.
• Translate business requirements into user stories, process flows, BRDs, FRDs, and technical specifications.
• Analyze existing credit decisioning workflows and identify opportunities for automation and optimization.
• Support the design and implementation of credit policies, scorecards, and decision rules.
• Perform system analysis and define integration requirements across multiple banking platforms.
• Create API specifications and integration mappings; document data flows, field mappings, and validation rules.
• Work closely with solution architects and engineering teams to design scalable solutions, including microservices and event-driven patterns where applicable.
• Analyze source-to-target data mappings and data transformation requirements.
• Execute SQL queries for data analysis, validation, and reconciliation exercises.
• Support data quality initiatives and produce reports on credit decision outcomes and operational performance metrics.
• Develop detailed acceptance criteria and test scenarios; support SIT, UAT, and production validation activities.
• Perform defect triage, root-cause analysis, and ensure delivered solutions align with business, compliance, and risk requirements.
• Collaborate with stakeholders to prioritize enhancements and provide ongoing operational support post-deployment.

Skills

SQL

RESTful API

API integration

API specification

Decision engines

Credit decisioning

Lending systems

Credit risk analysis

Underwriting processes

Data mapping

Data modeling

ETL

Education

Bachelor's degree in Computer Science, Information Systems, Finance, Business, or related field

Job description

Watershed Consulting in Sandton, Gauteng, seeks a Technical Business Analyst with 7+ years of banking experience, focusing on credit decisioning, lending systems, and API integrations. You will work on SQL-driven data analysis, API specifications, and decision engines to optimize credit origination and underwriting.

You will bridge business, risk, credit, operations, and technology teams, documenting requirements, conducting workshops, and mapping data flows.