Credit Risk Business Analyst

Job Title: Credit Risk Business Analyst

Location: London (Hybrid – 2–3 days onsite)

Contract Type: Contract 12 months

Start Date: ASAP

Day Rate: £450–£550 (Inside IR35)

Overview

We are seeking a Credit Risk Business Analyst to support a financial services client in London. This role sits within the Risk and Technology function, focusing on enhancing credit risk processes, controls, and data capabilities across critical systems. This is a specialist BA role suited to someone with strong credit risk domain knowledge and experience working in regulated environments.

Key Responsibilities

• Engage with Credit Risk, Finance, and Technology stakeholders to gather and define business requirements
• Analyse and document credit risk processes, including:
  • Credit assessment & approval workflows
  • Exposure and limit management
  • Provisioning and impairment (IFRS 9)
• Translate Business Requirements Into:
  • Functional specifications
  • User stories (Agile)
  • Process maps
• Support delivery of risk system enhancements and transformation initiatives
• Work Closely With Data Teams To Define:
  • Data sourcing and lineage
  • Risk reporting and dashboards
• Assist in UAT planning and execution
• Ensure alignment with regulatory and internal control frameworks
• Identify And Mitigate Risks Related To:
  • Data quality
  • Process gaps
  • Control weaknesses

Key Skills & Experience

Essential

• Proven experience as a Business Analyst within Credit Risk
• Strong understanding of credit risk lifecycle (origination → monitoring → recovery)
• Exposure, limits, and risk metrics
• Experience working in financial services / banking
• Strong stakeholder management skills across business and IT
• Experience with requirements gathering & documentation
• Agile / Waterfall delivery models
• UAT coordination

Desirable

• Knowledge of IFRS 9 / Basel frameworks
• Experience with risk or finance systems (e.g. Moody’s, SAS, internal platforms)
• Data analysis skills (SQL, Excel)
• Exposure to control frameworks (e.g. GRC, SoD, audit)

Candidate Profile

• Detail-oriented with strong analytical thinking
• Comfortable working in regulated, audit-driven environments
• Able to bridge business and technical teams effectively
• Proactive and able to work independently in a fast-paced setting

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