SSE - IT Business Analyst – Credit Risk

Job Description: IT Business Analyst – Credit Risk

Role: IT Business Analyst – Credit Risk
Experience: 5+ years

Role Overview

We are seeking an experienced IT Business Analyst with strong expertise in Credit Risk , regulatory frameworks, and data-driven system implementations. The ideal candidate will act as a bridge between the business, risk teams, and IT development teams, ensuring delivery of high‑quality credit risk solutions aligned with regulatory and internal risk management requirements.

This role requires deep understanding of Credit Risk concepts , hands-on experience with regulatory requirements (Basel, IFRS 9, CRR2/CRR3, Large Exposures) , and practical exposure to the software development lifecycle , including requirements analysis, functional specification creation, SQL-based data validation, and testing.

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Key Responsibilities

1. Business Analysis & Requirements Management

• Engage with credit risk stakeholders to gather, analyse, and validate business requirements (BRD).
• Translate business requirements into high‑quality Functional Specification Documents (FSD) for development teams.
• Collaborate closely with developers, architects, and UAT teams to ensure accurate implementation of credit risk functionalities.
• Facilitate requirement walkthroughs, clarification sessions, and sign‑off processes with business users.

2. Credit Risk Domain Expertise

• Work with key credit risk metrics including:
  • PD, LGD, EAD, RWA, ECL
• Contribute to system enhancements across:
  • Credit Risk Calculation, Reporting, Data Management, and Modelling
• Apply deep understanding of:
  • Concentration Risk, Counterparty Risk, Country Risk, Large Exposure frameworks
• Ensure system solutions comply with regulatory standards such as:
  • Basel II/III/IV, IFRS 9, CRR2, ECB requirements, Large Exposures Regulation

3. Data Analysis & SQL

• Use SQL for data extraction, validation, reconciliation, and impact analysis.
• Analyse data flows, data quality issues, and support data lineage documentation.
• Intermediate to advanced proficiency with MS Excel for data analysis.

4. Testing

• Define test strategy, test plans, and functional test cases.
• Perform functional, regression, and data validation testing.
• Work with automated testing tools where applicable (added advantage).
• Ensure defects are logged, tracked, and resolved appropriately.

5. Agile Delivery

• Participate actively in all Agile ceremonies including:
  • Grooming / Refinement
  • Sprint Planning
  • Daily Stand-ups
  • Sprint Review / Demos
  • Retrospectives
• Collaborate with Product Owners to prioritise features and manage backlogs.
• Support delivery across multi-location teams and ensure consistent execution.

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Agile & Collaboration Skills

• Demonstrated experience working in Agile environments.
• Ability to work with stakeholders across risk, tech, and operations teams.
• Strong communication, presentation, and stakeholder management capabilities.

Soft Skills

• Strong analytical and problem-solving mindset.
• Ability to listen, interpret, and translate complex business needs into actionable requirements.
• Proactive, detail-oriented, and comfortable working in cross-location team setups.
• Ability to deliver under tight timelines with high-quality output.

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Optional / Good-to-Have

• Experience with automated testing tools.
• Experience working with credit risk engines, data warehouses, or regulatory reporting platforms.
• FRM, CFA Certifications