Lead Analyst - Financial Spreading

Role summary

Responsibilities

• Support development of financial-spreading, covenant-monitoring, and credit-memo products.
• Translate domain expertise into product requirements and user stories to enhance existing capabilities.
• Conduct client and internal demonstrations and proof-of-concepts, and gather feedback.
• Collaborate with engineering, design, and QA; participate in sprint planning, backlog grooming, and UAT.
• Engage stakeholders to understand workflow pain points, validate product concepts, and manage business and technical relationships.
• Apply corporate and commercial lending expertise to bridge business requirements and technology solutions.

Core competencies

• 8+ years of hands-on financial spreading experience in corporate and commercial lending, as a Credit Analyst or Risk Analyst in a bank, NBFC, or financial institution.
• Deep practical expertise in spreading borrower P&L statements, balance sheets, and cash flows, interpreting ratios, and identifying credit risks.
• Experience with digital spreading tools, such as CreditLens, nCino, Moody's CreditCycle, or another credit analysis platform.
• Strong understanding of lending from origination and credit appraisal through covenant monitoring and credit memo generation.
• Motivation to move into technology and product management and openness to learning product frameworks on the job; prior BA or product experience is a plus, not mandatory.
• Strong client communication, stakeholder management, analytical, and written and verbal communication skills.
• Ability to run structured spreading-workflow demonstrations and proof-of-concepts.
• Lending-technology requirements gathering, UAT, process design, or Agile product team experience is advantageous; willingness to learn Agile methods is noted.
• Proficiency in Excel, PowerPoint, and Word, with comfort using financial models and credit templates.

Work arrangement

• The employer describes its working model as hybrid.

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