1. Role Overview

We are looking for an experienced Business Analyst with strong domain knowledge in Retail Assets, digital lending, and loan origination processes. The candidate will be responsible for understanding business requirements, translating them into functional specifications, coordinating with technology teams and implementation partners, and ensuring the successful delivery of digital lending solutions.

The candidate should have hands-on experience in lending products, business process analysis, system integrations, workflow design, and implementation of Loan Origination Systems (LOS) and related applications.

2. Key Responsibilities

A. Business Requirement Analysis

- Engage with business stakeholders to understand requirements for retail lending products and translate them into detailed Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), and user stories.
- Analyse existing business processes, identify gaps, and recommend process improvements and automation opportunities.
- Prepare process flow diagrams, functional specifications, use cases, and acceptance criteria.
- Coordinate with business, technology, operations, risk, and compliance teams to finalise requirements.

B. Retail Assets Domain Expertise

- Understand end-to-end retail lending journeys, including customer acquisition, application initiation, credit assessment, underwriting, verification, approval, documentation, and disbursement.
- Have knowledge of products such as personal loans, credit cards, consumer loans, or other retail lending products.
- Understand Loan Origination Systems (LOS), Business Rules Engines (BRE), credit bureau integrations, KYC, eKYC, CKYC, and other verification mechanisms.




- Work on integrations with external service providers, including credit bureaus, verification agencies, and digital onboarding platforms.
- Understand customer eligibility, credit policy rules, underwriting workflows, and exception-handling processes.

C. Digital Transformation and Technology Coordination

- Work closely with IT teams, developers, solution architects, vendors, and implementation partners to deliver business requirements.
- Define API integration requirements, data mappings, business validations, and system dependencies.
- Participate in solution design discussions, requirement walkthroughs, and functional reviews.
- Identify opportunities to digitise manual processes and improve customer experience.

D. Testing and Implementation

- Prepare test scenarios, test cases, and business validation criteria.
- Coordinate System Integration Testing (SIT), User Acceptance Testing (UAT), defect tracking, and resolution.
- Validate functional outcomes against approved business requirements.
- Support production deployment, Go-Live readiness, and post-implementation stabilisation.

E. Project and Stakeholder Management

- Track project milestones, dependencies, risks, and deliverables.
- Coordinate with multiple stakeholders to ensure timely implementation.
- Prepare project status reports and escalate delivery risks.




- Manage vendor coordination and ensure deliverables meet agreed business requirements.

3. Required Skills and Experience

- 510 years of experience in Business Analysis, preferably within banking, financial services, or fintech.
- Robust understanding of retail lending products and end-to-end loan origination processes.
- Hands-on experience with LOS, BRE, credit bureau integrations, and digital lending platforms.
- Experience preparing BRDs, FRDs, user stories, process flows, and functional specifications.
- Understanding of APIs, system integrations, data mapping, and application workflows.
- Experience in SIT, UAT, defect management, and implementation of technology solutions.
- Strong analytical, documentation, communication, and stakeholder management skills.
- Experience working with external technology vendors and implementation partners.

4. Preferred Qualifications

- Graduate or postgraduate qualification in Business, Finance, Banking, Information Technology, or a related discipline.
- Experience in banking technology transformation or digital lending initiatives.
- Familiarity with Agile delivery methodologies and project management tools.

5. Key Competencies

- Strong business and analytical acumen.
- Ability to translate business needs into technology requirements.
- Excellent stakeholder coordination and problem-solving skills.
- Strong ownership of deliverables and implementation timelines.
- Ability to manage multiple projects and priorities simultaneously.

6. Candidate Profile The ideal candidate should be a hands-on Business Analyst who can independently manage requirements from initial business discussions through functional design, testing, implementation, and post-Go-Live support.

📌 Business Analyst - Retail Assets (Chennai)
🏢 City Union Bank
📍 Chennai