Job Description
–Credit Risk Business Analyst

Experience:
2–4 years Type: Full-time

Location:
Bengaluru, with frequent GCC travel About ALP Angel Lane Partners (ALP) is a computational finance, data engineering and AI/ML firm with offices in Dubai, London, Bengaluru and Riyadh. We work with banks, financial institutions and government entities across the GCC. Role Overview You will work on credit risk engagements for GCC banks, including credit approval automation, rating and scoring models, IFRS 9 ECL and credit risk system implementations. You will act as the link between the bank's credit, risk and IT teams and ALP's data engineers, developers and quants: gathering requirements, analysing data, writing specifications and testing what gets built. You will work under a senior BA or engagement lead. Travel The role is based in Bengaluru, with frequent travel to client sites in the GCC, sometimes for several weeks at a time. A valid passport is required.

Key Responsibilities
• Gather requirements from credit, risk and IT stakeholders through interviews and workshops; write BRDs, FSDs and user stories.
• Document as-is and to-be credit processes across origination, appraisal, approval, review, monitoring and remedial management.
• Analyse credit policies and delegated authority matrices, and translate them into business rules for workflow and decision engines.
• Map source data (customer, facility, collateral, financial statements, ratings, limits) to target data models; document transformations and gaps.
• Run data quality and portfolio analysis in SQL and Python: completeness checks, segmentation, concentration, and reconciliation to finance and risk reports.
• Support model and rule work: backtesting, rule calibration, override analysis, and preparing PD, LGD and EAD inputs.




• Support IFRS 9 work: staging criteria, SICR triggers, ECL input data and output reconciliation.
• Prepare test scenarios and test cases; execute SIT and UAT with client users; log and track defects to closure.
• Build dashboards in Power BI, Tableau or similar to present portfolio analysis and engagement outputs.
• Draft sections of client deliverables, methodology documents, user manuals and training material.
• Track regulatory requirements relevant to each engagement (CBUAE, QCB, SAMA, Basel) and flag where they affect design.
• Prepare meeting notes, action logs and status inputs for the engagement lead. Required Skills
• 2–4 years in credit risk at a bank, consulting firm or risk software vendor.
• Understanding of corporate and retail credit products, the credit lifecycle, collateral and internal rating systems.
• Working knowledge of PD, LGD, EAD, IFRS 9 staging and ECL, and Basel capital requirements.
• Coding in SQL and Python (pandas) for data extraction and analysis.
• Building dashboards in Power BI, Tableau or similar.
• Advanced Excel: lookups, pivots, data validation and scenario analysis.
• Experience writing BRDs or FSDs and mapping processes.
• Experience with SIT or UAT. Preferred Skills
• Credit risk system or loan origination system implementation.
• Financial statement spreading and credit appraisal.
• Exposure to GCC regulations (CBUAE, QCB, SAMA).
• Databricks, AWS or Azure.
• Certifications in BI, ML, cloud or infrastructure.
• FRM or CFA, completed or in progress. Qualifications
• Bachelor's degree in finance, economics, engineering, mathematics or a related field; a master's, MBA or PhD is preferred.
• Transparent written English for client-facing documents.
• Able to run working sessions with client credit and IT teams.

📌 Credit Risk Business Analyst (Bengaluru)
🏢 ALP (Computational Finance, AI and Data Engineering)
📍 Bengaluru