SME/BA - Commercial Lending - 6 to 12 Years - Mumbai/Chennai
We are looking for a detail-oriented and strategic Commercial/SME-MSME Lending, Subject Matter Expert/Business Analyst to join our team. The successful candidate will play a vital role in analysing business processes, identifying opportunities for improvement, and supporting the development and implementation of Commercial/SME-MSME lending solutions. This position requires strong analytical skills, industry knowledge, and the ability to collaborate effectively with cross-functional teams.
- Possess extensive knowledge of commercial/SME - MSME lending practices, regulations, and products
- Shall be able to guide, handhold and groom the team of Business Analyst throughout the project
- Interact with business users and technical team for understanding of functional requirements
- Document business requirements and process flows using different tools like JIRA, Confluence, Blue Works, Lucid Chart, MS Visio, etc.
- Analyse and design solutions with the support of Solution Architects
- Provide feedback on test cases and support to Quality Assurance for testing
- Support in client UAT.
Responsibilities
- Lead the engagement with business users to define scope, understand business processes, problem statements and pain areas
- Gather and document business requirements related to commercial/sme-msme lending processes, systems, and products. Analyse current workflows and identify areas for enhancement.
- Identify key stakeholders and construct stakeholder analysis i.e. how they are affected
- Support the identification of risks and mitigation approaches
- Lead the client requirement workshops and identify gaps together with high level proposals for their resolution (e.g. development workarounds or change in processes). Ensure any solutions proposed are realistic and within the agreed scope of the project.
- Analyse client business requirements, liaise with clients / project teams and prepare business process documents like BRDs, User Stories, Discussion Logs, and Workflows etc. Be involved actively in the process till the sign-off is not obtained from the client.
- Guide the business analysts in Solution design with the Design and Development team to ensure requirements are duly addressed. Ensure Requirement Traceability Matrix is updated to facilitate tracking of requirements coverage.
- Make appropriate recommendations that will positively impact operational effectiveness, reduce cost and provide a better customer experience
- Conduct relevant research to increase understanding in support of developing comprehensive solutions
- Participate in final User Acceptance Testing for all major developments in the domain
- Work closely with stakeholders, including bank business & IT users, compliance teams, and internal delivery team to ensure alignment of business needs with technology solutions.
- Assist in the planning, execution, and monitoring of project, ensuring timely delivery and adherence to quality standards.
- Assist in the production of various collaterals such as User Guide, SOP Documents, process flows etc
- Provide training and support to end-users on new systems, tools, and processes, ensuring smooth adoption and effective utilization.
Experience and skills required
- Strong background in Lending domain, primarily SME and Corporate Lending, having good understanding of end-to-end lending lifecycle in areas such as loan management and servicing and delinquency handling
- Should have good understanding SME lending products.
- Candidates with a banking background who have worked in SME lending will have an added advantage.
- Design thinking, ability to manage multiple stakeholder expectations, communicate in a clear non-ambiguous manner, conduct requirements workshops, drive decision making
- Experience in documenting business case, business process modelling, requirement elicitation through workshops
- Manage projects from inception through design to delivery
- Working knowledge of LOS/ LMS/ Collect Module, with an understanding of system interfaces.
- Experience of working in both Agile & waterfall SDLCs
- Communication, group dynamics, collaboration and continuous improvement are core – being best practice driven
- Pro-active, quick learner, ability to effectively work in multi-cultural and multi-national teams
- Positive attitude and ability to engage with different stakeholders managing scope and expectations skilfully.
