Techno-Functional Business Analyst - IQ/0289

Key Responsibilities

• Conduct requirement gathering and discovery workshops with stakeholders.

• Analyze lending processes and identify automation opportunities.

• Prepare BRD, FRD, SRS, User Stories, Acceptance Criteria, Process Flows and Use Cases.

• Configure and manage LOS workflows and user journeys.

• Define integration requirements and support API-based integrations.

• Participate in solution design discussions.

• Prepare test scenarios, test cases and UAT scripts.

• Coordinate UAT, defect resolution and business sign-offs.

• Support deployment, hypercare and post-implementation reviews.

Required Skills

Banking & Lending Domain

• Understanding of Banking and Financial Services.

• Experience in Retail Lending and/or SME Lending.

• Knowledge of Loan Origination Lifecycle, Underwriting, KYC, Compliance and Disbursement

processes.

LOS Expertise

• Hands-on experience with Lending Origination Systems (LOS).

• Understanding of end-to-end loan origination processes.

• Experience configuring workflow-based LOS platforms.

• Hands-on experience with Lead Squared LOS including workflow configuration, automation,implementation support and enhancements.

• Experience integrating Bureau, CKYC, AML, eKYC, LMS, Payment Gateway and Account Aggregator systems.

Business Analysis & Documentation

• Expertise in requirements gathering and stakeholder management.

• Experience preparing BRD, FRD, SRS, User Stories and Process Documents.

• Gap analysis and solution recommendation skills.

Technical Skills

• Strong SQL knowledge for analysis and reporting.

• Understanding of REST APIs and integration concepts.

• Knowledge of enterprise integration patterns and application architecture.

• Hands-on development experience in Node.js including API development, backend services,integrations and production support.

• Hands-on development experience in Python including scripting, automation, data validation, API integrations and reporting automation.

• Experience reviewing and supporting Node.js and Python codebases.

• Familiarity with microservices, middleware/ESB, message queues and ETL concepts.

• Understanding of deployment lifecycle, release management and production support.

Preferred Skills

• Experience with LeadSquared, FinnOne, Newgen, Finflux, CredAble or equivalent LOS platforms.

• Agile/Scrum experience.

• Understanding of RBI lending guidelines.

Key Performance Indicators (KPIs)

• Timely delivery of requirements.

• Successful LOS enhancements and project implementation.

• Reduction in defects and change requests.

• Improved loan processing turnaround time.

Interview Screening Checklist

• Explain end-to-end Retail/SME Loan Origination process.

• Demonstrate LeadSquared LOS experience.

• Create sample onboarding workflows.

• Explain integrations with Bureau, CKYC, AML, eKYC, LMS and Payment Gateway systems.

• Demonstrate BRD/FRD preparation methodology.

• Discuss Node.js and Python use cases.

• Explain UAT planning and execution.

Education

• Bachelor's Degree in Engineering, Computer Science, Information Technology, or a related technical discipline.

• Relevant certifications will be an added advantage.

Ideal Candidate Profile

• 2–3 years of experience as a Business Analyst, Techno-Functional Analyst, LOS Consultant, or Functional Consultant in Banking, NBFC, FinTech, or Digital Lending environments.

• Strong hands-on experience with LeadSquared LOS.

• Experience in requirement gathering, stakeholder management, BRD/FRD preparation, UAT coordination, and project delivery.

• Hands-on exposure to SQL, REST APIs, Node.js, Python, and system integrations.

• Strong analytical, communication, and problem-solving skills.