Position Title: Business Analyst – Secured Loans Location: Pune

Experience: 3 – 5 Years Domain: Banking & Financial Services – Secured Lending Position Summary: We are seeking an experienced Business Analyst with expertise in the Secured Loans domain to support digital transformation and process automation initiatives. The ideal candidate should possess strong knowledge of secured lending products such as Home Loans, Loan Against Property (LAP), Vehicle Loans, Gold Loans, and Mortgage Loans. The candidate will work closely with business stakeholders, technology teams, and operations teams to gather requirements, analyze business processes, and deliver efficient lending solutions.

Key Responsibilities: 1.

Requirements Gathering & Analysis

Interact with business users and stakeholders to gather, analyze, and document business requirements.

Prepare Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Stories, and Use Cases.

Translate business requirements into functional specifications for development teams.

Conduct gap analysis and recommend process improvements. 2.

Secured Loan Process

Expertise

Understand end-to-end Secured Loan lifecycle including:

Lead Management

Loan Origination

Credit Assessment

Property Valuation

Legal Verification

Underwriting

Sanction & Disbursement

Loan Servicing & Collections

Ensure compliance with regulatory and internal lending policies. 3.

Stakeholder

Management

Coordinate with Product Owners, Business Teams, Operations, Risk, Credit, Legal, and IT teams.

Facilitate workshops, requirement discussions, and solution walkthroughs.





Manage stakeholder expectations and obtain sign-offs on requirements. 4.

Solution

Design & Implementation

Collaborate with development and QA teams during solution design and implementation.

Support LOS (Loan Origination System), LMS (Loan Management System), and Digital Lending Platform initiatives.

Participate in system integration discussions involving Core Banking Systems, Credit Bureaus, e-KYC, CKYC, Account Aggregator, and Valuation Agencies.

- Testing & UAT Support

Prepare test scenarios, test cases, and business validation documents.

Support SIT and UAT activities.

Track defects and coordinate resolution with technology teams.

- Reporting & Documentation

Create process flows, wireframes, and business process models.

Prepare MIS reports and dashboards related to loan processing and operational KPIs.

Maintain project documentation and knowledge repositories.

Required Skills: Domain Knowledge

Solid understanding of Secured Lending products:

Home Loans

Loan Against Property (LAP)

Mortgage Loans

Vehicle Loans

Gold Loans

Knowledge of LOS, LMS, and Digital Lending platforms.

Understanding of Credit Underwriting, Collateral Management, and Loan Servicing processes.

Preferred

Qualifications

Bachelor’s degree in engineering, Finance, Business Administration, or Information Technology.

MBA / PGDM preferred.

Certifications such as CBAP, CCBA, Agile BA, Scrum, or Banking Certifications are advantageous.

Preferred

Experience

Experience working with Banks, NBFCs, FinTech's, or Lending Product Companies.

Exposure to Digital Lending, Mortgage Lending, and Loan Origination Systems.

Experience in Agile and Waterfall project environments.

📌 Business Analyst – Secured Loans (Pune)
🏢 Newgen Software
📍 Pune