Senior Credit Risk and Lending IT Business Analyst

Our requirements

• At least 7 years of experience as an IT Business Analyst in financial services, with strong knowledge of credit risk and lending processes.
• Practical understanding of the entire credit lifecycle, including origination, analysis, decisioning, monitoring, and reporting.
• Proven experience delivering technology, data, automation, or AI-enabled solutions from problem framing to implementation.
• Experience collaborating with software engineering and data teams on complex data flows, system integrations, or analytics solutions.
• Excellent requirements engineering skills: stakeholder interviews, workshops, process modeling, data analysis, user stories, acceptance criteria, and specifications.
• Ability to comprehend complex business rules and data dependencies, communicating them clearly across teams.
• Strong analytical, problem-solving, and critical thinking skills.
• Outstanding communication, facilitation, negotiation, and stakeholder management capabilities.
• Hands-on experience with Agile methodologies in dynamic, multidisciplinary environments.
• Proactive workspace management, ownership of outcomes from discovery to delivery.

Optional

• Certifications in Business Analysis or Agile methodologies.
• Experience working within financial regulation frameworks.

Your responsibilities

• Lead structured discovery sessions with business stakeholders, subject matter experts, product owners, data specialists, and engineering teams to gather and analyze requirements.
• Translate complex credit and lending problems into clear business requirements, functional specifications, user stories, acceptance criteria, and process models.
• Define and document current-state and target-state processes across origination, analysis, decisioning, monitoring, and reporting phases.
• Identify opportunities for technology, data, automation, and AI solutions that enhance risk management and operational performance.
• Collaborate with software engineers, data specialists, and product owners to create practical, well-detailed requirements for technology and data-enabled solutions.
• Contribute to solution evaluation, readiness, rollout, and continuous improvement, including AI capabilities.
• Analyze data flows, business rules, controls, and dependencies, validating proposed solutions with technical teams.
• Act as a senior point of contact between business and technology teams, resolving ambiguities, and supporting informed decision-making throughout the project lifecycle.
• Challenge requirements constructively, assess options and trade-offs, ensuring solutions address core business problems.
• Support Agile practices via backlog management, refinement, sprint planning, reviews, and retrospectives.
• Facilitate solution validation, user acceptance testing, implementation, and adoption processes.
• Ensure all solutions adhere to internal control standards, data governance, security, and regulatory obligations.

About the project

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What we offer

• Stable and long-term cooperation with very good conditions
• Enhance your skills and develop your expertise in the financial industry
• Work on the most strategic projects available in the market
• Define your career roadmap and develop yourself in the best and fastest possible way by delivering strategic projects for different clients of ITDS over several years
• Participate in Social Events, training, and work in an international environment
• Access to attractive Medical Package
• Access to Multisport Program
• Access to Pluralsight
• Flexible hours

Benefits

• sharing the costs of sports activities
• private medical care
• flexible working time
• fruits
• integration events
• corporate gym
• saving & investment scheme
• no dress code
• coffee / tea
• drinks
• christmas gifts
• birthday celebration
• sharing the costs of a streaming platform subscription
• access to +100 projects
• access to Pluralsight

Recruitment stages

• 1.
  online interview
• 2.
  online interview

ITDS Polska Sp. z o.o.