Job Title: Business Analyst – Credit Risk (Corporate & Investment Banking)
Role Overview
We are seeking a highly experienced and analytical Business Analyst with over 8 years of experience in the Credit Risk domain, specifically within Corporate & Investment Banking. The ideal candidate will possess deep domain knowledge of credit risk frameworks, regulatory requirements, and financial instruments, along with strong communication and analytical skills. This role is critical in driving strategic risk initiatives and ensuring the successful delivery of projects across credit risk management, reporting, and compliance.
Key Responsibilities
Requirements Elicitation & Analysis
- Lead workshops and discussions with stakeholders across Risk, Finance, Front Office, and Technology to gather and analyze detailed functional and non-functional requirements related to credit risk.
- Understand and document business processes around credit origination, risk rating, exposure management, limit monitoring, and collateral management.
- Apply deep knowledge of Credit Risk concepts including counterparty risk, credit scoring, internal/external ratings, PD/LGD/EAD modeling, and credit exposure measurement.
- Understand workflows across corporate lending, trade finance, and investment banking products from a credit risk perspective.
Solution Design & Documentation
- Translate complex credit risk requirements into functional specifications, user stories, process flows, and data models.
- Support the design of risk systems and interfaces for credit risk data capture, aggregation, and reporting.
Stakeholder Management
- Act as a bridge between Credit Risk, Finance, Regulatory Reporting, and IT teams to ensure alignment and clarity throughout the project lifecycle.
- Engage with senior stakeholders to present findings, influence decisions, and manage expectations.
Data Analysis & Mapping
- Perform source-to-target data mapping for credit risk attributes including ratings, exposures, limits, and collateral.
- Support data lineage, data quality checks, and integration with risk engines and reporting platforms.
Change Management
- Assist in training and change adoption for new credit risk systems, processes, and regulatory changes.
- Develop user guides and training materials for business users.
Project Lifecycle Participation
- Participate in Agile ceremonies and SDLC phases from requirement gathering to post-implementation support.
- Contribute to sprint planning, backlog grooming, and retrospectives.
Market & Regulatory Awareness
- Stay updated on regulatory developments such as Basel III/IV, IFRS 9, CRD IV, and local regulations (e.g., RBI guidelines).
- Understand implications of regulatory changes on credit risk systems and reporting.
Required Skills and Experience
- Experience: 8+ years as a Business Analyst in Credit Risk or Risk Management within Corporate & Investment Banking.
- Domain Expertise: Strong understanding of credit risk lifecycle, rating methodologies, exposure management, and regulatory frameworks.
- Requirements Management: Proven experience in managing complex risk-related requirements across large-scale transformation programs.
- Analytical Skills: Strong analytical and problem-solving abilities, especially in risk data and metrics.
- Communication: Excellent verbal and written communication skills for both technical and business audiences.
- Stakeholder Engagement: Experience working with Risk, Finance, Compliance, and Technology teams.
- Methodologies: Agile/Scrum experience preferred.
- Tools: Proficiency in JIRA, Confluence, and process modelling tools.
Preferred Skills and Experience
- Technical Acumen: Basic understanding of SQL, data warehousing, and risk system architecture.
- Certifications: CFA, FRM, or other relevant risk/finance certifications.
- Project Management: Exposure to PM principles or certifications (e.g., PMP, Prince2).
- Data Visualization: Experience with Tableau, Power BI for risk dashboards and reporting.
About Capgemini
Capgemini is a global business and technology transformation partner, helping organizations to accelerate their dual transition to a digital and sustainable world while creating tangible impact for enterprises and society. It is a responsible and diverse group of 350,000 team members in more than 50 countries. With its strong over 55-year heritage, Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs. It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering, all fueled by its market-leading capabilities in AI, cloud, and data, combined with its deep industry expertise and partner ecosystem. The Group reported 2023 global revenues of €22.5 billion.
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