This role is with one of our Client. They are a leading global financial software provider specialising in digital banking transformations. As part of their regional expansion, they are looking for a high-caliber professional to join their team in Bengaluru, India.

Job Role: Business Analyst

Job Location: Bengaluru

Mode: Hybrid

Mandatory: Experience with fintech's, digital lending platform or BFSI transformation programmes

1. Role Overview

We are looking for a highly skilled Business Analyst who has also worked as a Product Owner to join our Digital Lending & Financial Products team. This is a functional role responsible for requirement gathering, process design, product strategy support, and cross-functional delivery across Retail and Corporate/SME Lending domains.

The ideal candidate will have strong business analysis capability, deep lending domain knowledge, and hands-on experience managing product backlogs in an Agile environment.

2. Key Responsibilities

A) Business Analysis & Requirements Management

- Lead requirement gathering through workshops, interviews, and stakeholder sessions.
- Prepare BRDs, FSDs, User Stories, Acceptance Criteria, and detailed process flows.
- Translate business needs into clear, testable functional requirements.
- Perform gap analysis, impact analysis, and workflow mapping across lending systems.
- Work closely with compliance, credit, operations, and risk teams for requirement validation.

B) Product Ownership
- Own and manage the product backlog for Retail Lending, SME Lending, and Corporate Lending modules.
- Prioritize user stories and features based on business value, dependencies, and timelines.
- Collaborate with Engineering and Design teams for sprint planning and execution.




- Participate in daily Agile ceremonies, sprint demos, and retrospectives.
- Monitor product performance and ensure timely delivery of releases.

C) Lending Domain Expertise
- Provide functional expertise across:

o Retail Lending: Personal Loans, Auto Loans, Home Loans, Credit
- Lines, Consumer Finance.

o Corporate & SME Lending: Working Capital, Term Loans, Revolving
- Facilities, Trade Finance, POS Financing.
- Support formulation of new lending products, digital workflows, and lending automation strategies.
- Understand credit policy, onboarding processes, underwriting, disbursement flows, and collections lifecycle.

D) Process Design & Optimization
- Document “As-Is” processes and design “To-Be” workflows for end-to-end lending operations.
- Identify manual bottlenecks and propose improvements to enhance efficiency and STP (Straight Through Processing).
- Work with technology teams to ensure seamless integration between LOS, LMS, CBS, and other subsystems.

E) Stakeholder Management
- Act as the central liaison between Business Teams, Technology, Credit, Operations, and Leadership.
- Conduct requirement walkthroughs, design reviews, and system demonstrations.
- Manage stakeholder expectations, dependencies, and change requests.

F) Testing, Validation & Release Support




- Prepare test cases and validate functionality during SIT and UAT cycles.
- Support business users during UAT and issue triaging.
- Validate production deployments and ensure release readiness.
- Prepare documentation such as SOPs, release notes, and training guides

3. Required Skills & Competencies

Functional Skills

- Strong understanding of the end-to-end lending lifecycle:
- Application → KYC → Underwriting → Risk Evaluation → Approval → Disbursement → Repayment → Collections.
- Solid knowledge of both Retail and Corporate/SME Lending.
- Ability to create detailed product documentation, functional specifications, and workflows.
- Solid analytical thinking with ability to identify root causes and propose solutions.

Technical / Tools Skills

- Experience working on LOS/LMS platforms, CBS integrations, or digital loan origination systems.
- Skilled in JIRA, Confluence, Figma, and process mapping tools like Visio/ Draw.io.
- Basic understanding of APIs, integration flows, and data mapping concepts.
- Detail-oriented, organized, and able to manage multiple priorities.

4. Qualifications

- Bachelor’s degree in Business, Finance, Engineering, Computer Science, or related field.
- Certifications such as CSPO, CBAP, PMI-PBA are a strong advantage.
- Minimum 5+ years of experience in Business Analysis and/or Product Ownership roles within the Lending domain.

5. Nice-to-Have

- Experience with Open Banking, OCR/KYC tools, bureau integrations (e.g., CIBIL, Experian, CRIF), or risk scoring systems.
- Prior experience with fintechs, digital lending platforms, or BFSI transformation programs.
- Exposure to UI/UX concepts for journey optimization.

📌 Business Analyst (Bengaluru)
🏢 Quantalent AI
📍 Bengaluru