Business & Functional Analyst

Job Title: Business & Functional Analyst

Location: New York, NY

Position type: Full time/Permanent role

Job Description

Must Have Technical/Functional Skills

•              Business Analyst in Lending and Credit Risk domain (Private Individual clients) 

•             Minimum 6+ years of onsite professional working experience required.

•             Broad experience (also practical) in requirements engineering for large-scale IT solutions as part of scrum teams 

(working directly with the engineers)

•             Broad experience (also practical) in detailing and creation of User Stories as well as concepts and specifications 

for agile delivery teams

•             Good analytical and communication skills, strong independence and initiative, ability to work in agile delivery 

teams

•             Knowledge of Banking IT (e.g., Frontends & Channels and Cloud Knowhow) and experience in Lending processes 

and Credit Risk workflows.

•             Experience in API design (swagger definition) and data mapping.

•             Strong background in systems integrations based on data-driven API’s.

Roles & Responsibilities

•              Lead requirement gathering and analysis workshops with Lending, Credit Risk, and business stakeholders. 

•             Convert business requirements into well-defined User Stories, Epics, and Acceptance Criteria for Agile teams. 

•             Collaborate closely with Product Owners to maintain and prioritize the product backlog. 

•             Define and document end-to-end lending, credit assessment, and credit risk business processes. 

•             Create functional specifications, process flows, business rules, and solution design documents. 

•             Analyze and define API requirements, including Swagger/Open API specifications and integration workflows. 

•             Perform source-to-target data mapping and ensure accurate data flow across integrated systems. 

•             Work directly with developers and QA teams to clarify requirements and support sprint delivery. 

•             Support SIT/UAT testing, defect triage, and business validation to ensure requirements are met. 

•             Act as the liaison between business, technology, and external stakeholders, ensuring successful delivery of 

lending and credit risk solutions in an Agile Scrum environment.