Business Analyst- Lending + AI Projects

Role Overview

We are seeking an experienced Business Analyst with strong expertise in the Lending domain, including Loan Origination Systems (LOS) and Loan Management Systems (LMS), along with working knowledge of Generative AI technologies. The candidate will be responsible for bridging business and technology teams, driving lending transformation initiatives, and identifying opportunities to leverage GenAI to improve operational efficiency and customer experience.

Experience

5-8 Years

Key Responsibilities

Lending & Business Analysis

• Gather, analyze, and document business requirements across the lending lifecycle.
• Work closely with stakeholders to understand and improve processes related to:
• Loan Origination
• Credit Assessment & Underwriting
• Loan Disbursement
• Loan Servicing
• Collections & Recovery
• Prepare User Stories/BRDs, Process Flows, Use Cases, and Functional Specifications.
• Conduct gap analysis and recommend process improvements.
• Support SIT, UAT, and production rollout activities.
• Collaborate with business, product, operations, risk, and technology teams to ensure successful project delivery.

LOS / LMS Responsibilities

• Strong understanding of Loan Origination Systems (LOS) and Loan Management Systems (LMS).
• Analyze and document business rules, workflows, credit policies, and lending processes.
• Work on LOS/LMS implementation, enhancements, integration, and migration projects.
• Coordinate with development teams to ensure business requirements are translated into functional solutions.
• Support compliance with regulatory and risk requirements within lending platforms.

Generative AI Responsibilities

• Possess working knowledge of Generative AI, Large Language Models (LLMs), and AI-powered business solutions.
• Identify and define GenAI use cases within lending operations.
• Support implementation of AI-driven solutions such as:
• Loan application summarization
• Credit memo generation
• Intelligent document analysis
• Underwriting assistance
• Customer service chatbots
• Knowledge management solutions
• Experience working with tools such as ChatGPT, Microsoft Copilot, Azure OpenAI, or similar platforms in the lending domain
• Understanding of Prompt Engineering, RAG (Retrieval-Augmented Generation), AI Agents, and AI governance concepts.
• Collaborate with AI/Technology teams to define business requirements and measure business value from AI initiatives.

Required Skills

Domain Expertise

• Strong experience in Retail Lending, SME Lending, Mortgage, Personal Loans, Business Loans, or Commercial Lending.
• Good understanding of credit underwriting, risk assessment, loan processing, and servicing.

Business Analysis

• Requirement Gathering & Analysis
• BRD / FRD Documentation
• User Story Creation
• Process Mapping
• Gap Analysis
• Agile & Scrum Methodologies
• UAT Planning & Execution

Technical Skills

• LOS/LMS Platforms
• JIRA & Confluence
• SQL (preferred)
• API and Integration Understanding
• Microsoft Office Suite

Generative AI

• Working knowledge of:
• ChatGPT
• Microsoft Copilot
• Azure OpenAI
• Prompt Engineering
• RAG Concepts
• AI Agents
• Experience identifying automation and productivity improvement opportunities using GenAI.

Qualifications

• Bachelor's Degree in Engineering, Computer Science, Finance, Business Administration, or a related discipline.
• MBA preferred.
• Certifications in Business Analysis, Agile, Banking, or AI/GenAI are advantageous.

Preferred Candidate Profile

• Experience in Banking or Financial Services (BFSI).
• Hands-on experience with LOS/LMS transformation projects.
• Exposure to Digital Lending programs.
• Strong stakeholder management and communication skills.
• Ability to work in a fast-paced Agile environment.