Job Summary

A Business Analyst with 3+ years of experience and driving the product roadmap for lending domain products while gathering and translating business requirements into detailed BRDs, PRDs, and user stories. It focuses on conceptualizing features and end-to-end user journeys across the lending lifecycle, including credit appraisal and covenant management. The position requires close collaboration with engineering, design, and QA teams to ensure timely delivery, along with active participation in Agile processes. Additionally, it entails engaging with clients to understand needs, gather feedback, and leverage domain expertise to bridge business and technology solutions.

Key Responsibilities

- Support recent product development initiatives focused on financial spreading, covenant monitoring, and credit memo generation for corporate and commercial lending

- Enhance existing product capabilities across spreading, covenants, and credit memo generation by translating domain expertise into well-defined requirements and user stories

- Set up and conduct spreading demos and proof-of-concepts (POCs) for clients and internal stakeholders, showcasing product capabilities and gathering actionable feedback

- Collaborate closely with engineering, design, and QA teams to ensure timely and high-quality product delivery; participate in sprint planning, backlog grooming, and UAT

- Engage with clients and external stakeholders to understand spreading and credit workflow pain points, validate product concepts, and manage relationships across business and technical teams





- Apply deep domain knowledge of corporate and commercial lending - including financial spreading, credit appraisal, covenant management, and memo generation - to bridge the gap between business needs and technology solutions

Core Competencies

- 3+ years of hands-on experience in financial spreading within corporate and commercial lending - either as a Credit Analyst or Risk Analyst in a bank, NBFC, or financial institution.

- Deep, practical knowledge of financial spreading: spreading financial statements (PL, balance sheet, cash flows) for corporate and commercial borrowers interpreting key ratios, and identifying credit risks - this is the core requirement for this role.

- Proven experience working on digital spreading tools - preferably CreditLens, nCino, Moody's CreditCycle, or any other spreading/credit analysis platform; ability to evaluate tool capabilities and articulate gaps and enhancements

- Strong understanding of the end-to-end corporate and commercial lending credit process - from loan origination and credit appraisal through covenant monitoring and credit memo generation




- A genuine passion and strong motivation to transition into technology and product management; openness to learning product frameworks (requirements writing, user stories, roadmapping) on the job - prior BA or product experience is a plus but not mandatory

- Strong client communication and stakeholder management skills; ability to engage confidently with credit teams, relationship managers, and technology stakeholders across levels

- Ability to set up and demonstrate spreading workflows and POCs; comfort with running structured demos for clients and internal teams to validate product concepts

- Added advantage: prior exposure to product or BA work - such as requirements gathering, UAT participation, or process design - in a lending technology context

- Experience working in or alongside agile product teams is a plus; willingness to learn agile methodologies and product delivery frameworks

- Excellent communication and analytical skills; ability to articulate complex credit and spreading concepts clearly to both business and technology audiences

- Proficiency in MS Office (Excel, PowerPoint, Word); comfort with financial models and credit templates used in spreading workflows.

Required Qualifications

3+ years of hands-on experience in financial spreading within corporate and commercial lending - either as a Credit Analyst or Risk Analyst in a bank, NBFC, or financial institution

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Senior Analyst-Financial Spreading (Gurugram)
🏢 Evalueserve
📍 Gurugram