Engage with business stakeholders to gather, analyze, and document complex functional and non-functional requirements for retail lending initiatives (e.g., mortgage, personal loans, auto loans, credit lines).

Translate high-level business needs into detailed Epics, User Stories, and Acceptance Criteria within an Agile/Scrum framework.

Maintain comprehensive documentation including Business Requirement Documents (BRDs), Functional Requirement Documents (FRD), process maps, and data flow diagrams.

Solution Design & Process Optimization

Map and optimize As-Is and To-Be workflows for lending products, including origination, underwriting, disbursement, and repayment.

Collaborate with Architects to design scalable, secure, and compliant integration points with core banking systems, LOS (Loan Origination Systems), and downstream servicing platforms.

Perform gap analysis to identify process inefficiencies and suggest improvements aligned with industry best practices.

Technical Integration & Data Analysis

Define functional requirements for API integrations (REST/JSON) ensuring interoperability with third-party vendors, credit bureaus, and payment gateways.

Conduct SQL-based data analysis to support reconciliation, data validation, and troubleshooting of complex ledger or transactional issues.

Analyze data structures to ensure accuracy in interest calculations, fee structures, and amortizations.

Project Governance & Stakeholder Management

Act as the primary liaison between technical teams (Developers, QA, DevOps) and business units, ensuring a shared understanding of system capabilities and delivery timelines.

Lead UAT planning, design test scenarios, and support validation efforts to ensure the delivered product meets business objectives and regulatory standards.

Manage project backlogs, prioritize deliverables, and report status/risks to senior stakeholders.

Compliance & Risk

Ensure all solution designs adhere to enterprise-level security, data privacy, and regulatory compliance requirements (KYC/AML/Credit Risk policies).

Required Skills & Qualifications

Experience: 7–10 years of experience as a Business Analyst, Product Owner, or System Analyst within the Retail Banking or Lending domain.

Lead Software Engineer