Sr. Business Analyst - Retail credit and Finance

Job Summary

To act as a domain-driven IT partner supporting Consumer Credit, Finance, Accounting, and Automation systems, ensuring regulatory compliance, financial accuracy, operational efficiency, and digital transformation across the consumer lending lifecycle, while supporting Agile and hybrid delivery models.

Job Responsibilities

• Translate consumer credit and finance requirements into functional and technical system specifications
• Support Agile / hybrid project delivery by converting business requirements into epics, user stories, and acceptance criteria, while maintaining formal BRD/FSD documentation
• Support end-to-end consumer lending lifecycle: origination, disbursement, servicing, collections, write-offs, and closure
• Ensure accurate interest computation, amortization, fees, penalties, and GL postings
• Integrate lending platforms with core finance systems, payment gateways, and regulatory reporting tools
• Support IFRS-9 / Expected Credit Loss (ECL) logic, provisioning, and financial reconciliations
• Lead or support automation initiatives (RPA, workflows, exception handling, reconciliations)
• Ensure compliance with CBK / GCC Central Bank regulations, audit requirements, and internal controls
• Participate in sprint planning, UAT, production releases, incident resolution, and audit queries

Candidate Requirements

• Bachelor’s degree in one of the following: Computer Science / Information Technology /Finance / Accounting /Business Administration
• 5–10 years as an IT / Business Systems Analyst
• Mandatory experience in Consumer Credit / Retail Lending and Finance & Accounting systems
• Experience working with Loan Management Systems (LMS), Core Banking / Credit Platforms, and ERPs
• Exposure to Agile or hybrid project delivery environment