Senior Business Analyst

Loans / Loan IQ Business Analyst

Job Description | Wholesale Lending • Credit Risk • Loan Operations

Role Summary Experienced Business Analyst with strong Loans and/or Loan IQ functional knowledge to support wholesale lending, credit-risk and loan-operations transformation initiatives. The role connects business, risk, operations, product and technology teams and supports requirements, process design, data mapping, integrations, testing, migration and production stabilization.

Position Overview

Role

Loans / Loan IQ Business Analyst

Domain

Wholesale Lending, Credit Risk and Loan Operations

Experience

7–12+ years overall; preferably 4+ years in lending platforms or Loan IQ

Location

India / United States / Singapore, based on project requirement

Engagement

i Risk and Lending technology initiatives

Key Responsibilities

• Act as a functional Business Analyst and subject-matter partner for Loans, Loan IQ, Credit Risk and wholesale lending initiatives.
• Conduct requirement workshops and translate business needs into BRDs, FRDs, user stories, process flows, use cases, business rules and acceptance criteria.
• Analyze end-to-end commercial lending processes including borrower and lender setup, deal and facility creation, commitments, drawdowns, rollovers, paydowns, interest, fees, closing and servicing.
• Partner with Credit Risk, Loan Operations, Product, Business, Legal, Compliance, Data and Technology stakeholders.
• Analyze lending-platform data models, upstream and downstream dependencies, interfaces, APIs, batch feeds and reporting requirements.
• Perform source-to-target data mapping, gap analysis, data validation, reconciliation and conversion-readiness assessment.
• Define controls and requirements supporting credit-risk, operational-risk, regulatory and management-reporting obligations.
• Support platform configuration, functional enhancements and, where applicable, Loan IQ SDK/API requirements.
• Prepare test strategy inputs, scenarios and acceptance criteria; coordinate SIT, UAT, regression testing, defect triage and business sign-off.
• Support implementation, migration, cutover, production stabilization and root-cause analysis of functional or data issues.

Functional and Domain Knowledge

• Wholesale and commercial lending, including syndicated and bilateral loans.
• Deal, facility, tranche, commitment, borrower, lender and portfolio structures.
• Loan lifecycle events such as drawdown, rollover, repricing, paydown, interest accrual and fee processing.
• Credit facilities and limits, exposure and utilization, credit approvals, collateral and covenant concepts.
• Risk-book and portfolio hierarchies, data quality, reconciliation and exception management.
• Regulatory, operational and credit-risk controls and reporting.
• Loan IQ knowledge is preferred; strong experience with other lending platforms and the ability to work across Loans / Loan IQ solutions is also acceptable.

Required Skills

Area

Expected Capability

Lending platforms

Loans / Loan IQ functional knowledge; exposure to Flexcube or similar lending systems is advantageous.

Banking domain

Wholesale lending, commercial lending, syndicated loans and loan servicing.

Risk

Credit Risk, lending controls, exposure, limits and operational-risk processes.

Business analysis

BRD, FRD, user stories, acceptance criteria, gap analysis, process mapping and traceability.

Data

Source-to-target mapping, reconciliation, SQL-based validation and data-quality analysis.

Integration

API, upstream/downstream interface and batch-feed analysis.

Testing

SIT, UAT, regression testing, defect management and business sign-off.

Tools

Jira, Confluence, Microsoft Excel, SQL and process-modelling tools.

Delivery

Agile/Scrum, SDLC, stakeholder management and cross-functional coordination.

Preferred Experience

• 7–12+ years in banking, financial services or lending technology.
• Four or more years in lending business analysis, with hands-on Loan IQ experience preferred.
• Experience supporting Citi or another global bank in Credit Risk, Loan Operations or lending transformation.
• Experience in lending-platform migration or conversion, particularly Flexcube-to-Loan IQ, is an advantage.
• Experience working across NAM, EMEA or APAC lending environments.
• Strong written communication, stakeholder facilitation and business-to-technology translation skills.

Education

• Bachelor's degree in Business, Finance, Banking, Information Technology, Engineering or a related discipline.
• Relevant certifications in Business Analysis, Agile, Banking or Loan IQ are advantageous.