Job Title: Business Analyst Kisan Credit Card (KCC)
Experience: 34 Years
Location: Mumbai
Employment Type: Full-time
Role Overview
We are seeking a skilled Business Analyst with strong domain expertise in Kisan Credit Card (KCC) processes within the banking and financial services sector. The ideal candidate will have hands-on experience in gathering requirements, analyzing business processes, and supporting technology solutions for agricultural credit products.
Key Responsibilities
- Requirement Gathering & Analysis
- Interact with business stakeholders to understand KCC-related processes, policies, and pain points.
- Document functional requirements, user stories, and process flows for KCC loan origination, renewal, and settlement.
- Process Mapping & Gap Analysis
- Analyze existing KCC workflows and identify areas for improvement or automation.
- Conduct gap analysis between current processes and proposed solutions.
- Solution Design Support
- Collaborate with product teams and developers to ensure KCC requirements are accurately translated into system functionalities.
- Validate system configurations and assist in UAT for KCC modules.
- Regulatory & Compliance Alignment
- Ensure KCC processes comply with RBI guidelines and agricultural credit norms.
- Maintain awareness of changes in KCC policies and update documentation accordingly.
- Stakeholder Communication
- Prepare BRDs, FRDs, and functional specifications for KCC-related projects.
- Act as a liaison between business teams, technology teams, and external vendors.
Required Skills & Qualifications
- Domain Expertise: Strong understanding of Kisan Credit Card schemes, eligibility criteria, interest subvention, and renewal processes.
- Banking Knowledge: Familiarity with agricultural lending, rural credit operations, and related regulatory guidelines.
- BA Skills: Proficiency in requirement elicitation, documentation, process modeling (using tools like Visio)
- Technical Awareness: Basic understanding of loan management systems, core banking platforms, and integration points.
- Communication: Excellent verbal and written communication skills for stakeholder engagement.
Preferred Skills
- Experience in digital KCC solutions or loan origination systems.
- Knowledge of workflow automation tools and reporting dashboards.
- Exposure to Agri-fintech products or rural banking initiatives.
