Experience: 5-8 Years

Location: Mumbai

Lending & Business Analysis

- Gather, analyze, and document business requirements across the lending lifecycle.
- Work closely with stakeholders to understand and improve processes related to:
- Loan Origination
- Credit Assessment & Underwriting
- Loan Disbursement
- Loan Servicing
- Collections & Recovery
- Prepare User Stories/BRDs, FRDs, User Stories, Process Flows, Use Cases, and Functional Specifications.
- Conduct gap analysis and recommend process improvements.
- Support SIT, UAT, and production rollout activities.
- Collaborate with business, product, operations, risk, and technology teams to ensure successful project delivery.

LOS / LMS Responsibilities

- Strong understanding of Loan Origination Systems (LOS) and Loan Management Systems (LMS).
- Analyze and document business rules, workflows, credit policies, and lending processes.
- Work on LOS/LMS implementation, enhancements, integration, and migration projects.
- Coordinate with development teams to ensure business requirements are translated into functional solutions.
- Support compliance with regulatory and risk requirements within lending platforms.

Generative AI Responsibilities

- Possess working knowledge of Generative AI, Large Language Models (LLMs), and AI-powered business solutions.
- Identify and define GenAI use cases within lending operations.
- Support implementation of AI-driven solutions such as:




- Loan application summarization
- Credit memo generation
- Intelligent document analysis
- Underwriting assistance
- Customer service chatbots
- Knowledge management solutions
- Experience working with tools such as ChatGPT, Microsoft Copilot, Azure OpenAI, or similar platforms in the lending domain.
- Understanding of Prompt Engineering, RAG (Retrieval-Augmented Generation), AI Agents, and AI governance concepts.
- Collaborate with AI/Technology teams to define business requirements and measure business value from AI initiatives.

Required Skills

Domain Expertise

- Robust experience in Retail Lending, SME Lending, Mortgage, Personal Loans, Business Loans, or Commercial Lending.
- Good understanding of credit underwriting, risk assessment, loan processing, and servicing.

Business Analysis

- Requirement Gathering & Analysis
- BRD / FRD Documentation
- User Story Creation
- Process Mapping
- Gap Analysis
- Agile & Scrum Methodologies
- UAT Planning & Execution

Technical Skills

- LOS/LMS Platforms
- JIRA & Confluence
- SQL (preferred)
- API and Integration Understanding
- Microsoft Office Suite

Generative AI

- Working knowledge of:
- ChatGPT
- Microsoft Copilot
- Azure OpenAI
- Prompt Engineering
- RAG Concepts
- AI Agents
- Experience identifying automation and productivity improvement opportunities using GenAI.

📌 Business Analyst- Lending (Mumbai)
🏢 BDO India
📍 Mumbai