Business Analyst – Secured Loans
Role Overview
Seeking an experienced Business Analyst with expertise in the Secured Loans domain to support digital transformation and process automation initiatives.
Ideal candidate should possess strong knowledge of secured lending products such as Home Loans, Loan Against Property (LAP), Vehicle Loans, Gold Loans, and Mortgage Loans.
Candidate will work closely with business stakeholders, technology teams, and operations teams to gather requirements, analyze business processes, and deliver efficient lending solutions.
Key Skills for This Role
Full Job Posting
Position Summary
Seeking an experienced Business Analyst with expertise in the Secured Loans domain to support digital transformation and process automation initiatives.
Ideal candidate should possess strong knowledge of secured lending products such as Home Loans, Loan Against Property (LAP), Vehicle Loans, Gold Loans, and Mortgage Loans.
Candidate will work closely with business stakeholders, technology teams, and operations teams to gather requirements, analyze business processes, and deliver efficient lending solutions.
Key Responsibilities
- Interact with business users and stakeholders to gather, analyze, and document business requirements.
- Prepare Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Stories, and Use Cases.
- Translate business requirements into functional specifications for development teams.
- Conduct gap analysis and recommend process improvements.
- Understand end-to-end Secured Loan lifecycle including Lead Management, Loan Origination, Credit Assessment, Property Valuation, Legal Verification, Underwriting, Sanction & Disbursement, Loan Servicing & Collections.
- Ensure compliance with regulatory and internal lending policies.
- Coordinate with Product Owners, Business Teams, Operations, Risk, Credit, Legal, and IT teams.
- Facilitate workshops, requirement discussions, and solution walkthroughs.
- Manage stakeholder expectations and obtain sign-offs on requirements.
- Collaborate with development and QA teams during solution design and implementation.
- Support LOS (Loan Origination System), LMS (Loan Management System), and Digital Lending Platform initiatives.
- Participate in system integration discussions involving Core Banking Systems, Credit Bureaus, e-KYC, CKYC, Account Aggregator, and Valuation Agencies.
Required Skills
- Strong understanding of Secured Lending products: Home Loans, Loan Against Property (LAP), Mortgage Loans, Vehicle Loans, Gold Loans.
- Knowledge of LOS, LMS, and Digital Lending platforms.
- Understanding of Credit Underwriting, Collateral Management, and Loan Servicing processes.
Preferred Qualifications
- Bachelor's degree in engineering, Finance, Business Administration, or Information Technology.
- MBA / PGDM preferred.
- Certifications such as CBAP, CCBA, Agile BA, Scrum, or Banking Certifications are advantageous.
Preferred Experience
- Experience working with Banks, NBFCs, FinTechs, or Lending Product Companies.
- Exposure to Digital Lending, Mortgage Lending, and Loan Origination Systems.
- Experience in Agile and Waterfall project environments.
Position Details
Location: Pune
Experience: 3 – 5 Years
Domain: Banking & Financial Services – Secured Lending
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