Responsibilities
- This will require an overall and in-depth understanding of risk and credit processes, systems, information requirements, flows and functional system requirements
- Define, build, develop and maintain the business processes for Risk and Credit to help identify and understand the workings of the business, and thereby to derive the business requirements and constraints that the resultant systems implementations must address (Including current and to-be business processes)
- Determine the impact of change of proposed projects on the business and on the IT, systems supporting the business
- Perform impact assessments on new requirement and their impact on upstream and downstream systems and stakeholders
- During analysis ensure that the full end to end process and dependencies have been assessed
- Analyse the gaps between the current and future state to determine the extent of change required to realise the future state objective. Identifies processes in need for re / design (e.g. due to inefficient operations) and identifies options to improve them gaining stakeholder buy-in
- Document end-to-end process flows with reference to existing documentation generated to date i.e. capture the activities performed in a business process, inputs, outputs and resources used for those activities, including performance measures
- Analysing business processes and system requirements, with ability to propose re-engineering or optimization of processes
- Understanding functional and technical system specifications to be able to identify business solutions, opportunities and system limitations
- Applying and influencing the use of Business Architecture guidelines to ensure consistent and high-quality business requirements / functional / process specifications for any solution
- Assisting Technical Designers in translating the business requirements and functional / process specifications into detailed technical requirements
- Identifying proactively operational problems and proposing solutions
- Interfacing with other Business Analysts and Project Managers
- Working closely with the technical architects in defining the systems landscape
- Challenging business demands and identifying duplications or redundant needs
Qualifications
Business Degree. Business Analysis Certification
Experience
5 Years + within multifaceted, complex environments across multiple business areas (Credit)
Mathematically strong
Additional Skills
Credit Risk Management Expertise
Strong understanding of credit risk concepts such as PD, LGD, EAD, expected / unexpected loss, and risk-adjusted return.Experience in portfolio risk analysis, credit concentration, and risk mitigation strategies.SAS and Data Analytics Proficiency
Proficient in SAS for data extraction, transformation, and analysis.Ability to manipulate large datasets and prepare inputs for Risk Frontier.Knowledge of Credit Risk Data Landscape
Basel III Regulatory Knowledge (Credit Risk Focus)
Risk Frontier Platform and Data Integration Knowledge
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