BUSINESS ANALYST / PROGRAM MANAGER

BUSINESS ANALYST / PROGRAM MANAGER

No. of Positions:01

Experience Required:5 to 10 years

Position Type:C2C

Duration of Contract: 6 to 9 Months

Working Location: Mumbai onsite

Budget: Open

Position Overview:

Key Responsibilities:

·       Develop and maintain comprehensive technical and functional documentation for existing Qlik Sense dashboards and Regulatory Reports/dumps.

·       Ensure traceability of data sources, transformation logic, and business rules across platforms including Snowflake, Talend, Oracle, and Qlik.

·       Capture source field definitions and data lineage, acknowledging that reports may pull data from multiple systems.

Stakeholder Engagement::

·       Gather feedback and obtain formal sign-off to ensure alignment with business requirements.

Weekly Presentations:

·       

Experience:

·       5 to 10 years of experience in Business Analysis and/or Program Management.

·       Proven experience in documenting Business Analysis and Intelligence reports and data platforms.

·       Strong knowledge of Qlik Sense, Snowflake or Talend, and Oracle

·       Excellent problem-solving, analytical, and communication skills.

·       Strong interpersonal and collaboration abilities across cross-functional teams.

Educational Qualifications:

• Bachelor’s degree in

  computer science or

   

  Information Technology

  or

  Engineering

  or

  Business Administration

  , or a related field is required.

Good-to-Have skills:

1. Domain & Functional Understanding

• NBFC Lending Lifecycle Knowledge

  : 
• Loan origination, underwriting, disbursement, servicing, collections 
• Understanding RBI regulations, NBFC classification (deposit-taking, non-deposit), Fair Practices Code, KYC/AML norms. 

• Exposure to Loan Products

  : 
• Personal loans, gold loans, SME loans, vehicle finance, digital lending 

• Credit Bureau Data Handling

  : 
• Familiarity with CIBIL/CRIF reports & score interpretation 

• Retail & SME Lending Processes

  :  
• Familiarity with unsecured & secured lending, underwriting, credit scoring models. 

• Collections & Recovery Practices

  :  
• Knowledge of early-stage and late-stage collection workflows. 

• Digital Lending Models

  :  
• Insight into co-lending, BNPL (Buy Now Pay Later), DSA/DST models, and fintech partnerships. 

2. Data & Analytics Skills

• Advanced Excel

  :  
• Data cleaning, formulas, pivot tables, macros for loan and risk reports 

• SQL (Intermediate to Advanced)

  : 
• Writing efficient queries to pull customer, loan, payment, and delinquency data 

• Data Visualization Tools

  : 
• Power BI, Tableau, Qlik — useful for dashboards on collections, portfolio quality, etc. 

• Data Profiling & Quality Checks

  : 
• Detecting missing, duplicate, or inconsistent loan/customer records 

3. Tools & Technologies

• Experience with NBFC Systems

  : 
• LOS (Loan Origination System), LMS (Loan Management System), and Core NBFC Platforms like FinnOne, MyFin, BRNet, Vymo, Oracle Fusion, OGL, Kiya, Fincorp, Hotfoot (sanction), Core Banking Systems, or in-house NBFC systems. 

• ETL Knowledge (Good to Have)

  : 
• Talend, Informatica, SSIS for understanding backend data flows 

• Python (Basic Scripting)

  : 
• For EDA (exploratory data analysis) or automating reports — pandas, NumPy 

• CRM/Collection Tools Insight

  : 
• Salesforce, LeadSquared, or collection platforms like Credgenics 

• API/Data Integration

  :  
• Understanding of how NBFCs integrate with credit bureaus (CIBIL, CRIF), Aadhar, CKYC, bank statement analysers, etc. 

4. Business Metrics & Reporting

• Understanding of NBFC KPIs

  : 
• NPA %, Portfolio at Risk (PAR), Days Past Due (DPD) buckets, Collection Efficiency, Bounce Rate 

• Regulatory Reporting Awareness

  : 
• RBI-mandated MIS reports or returns (even if not the owner, knowing the data helps) 

5. Compliance, Data Privacy & Risk

• Data Privacy Sensitivity

  : 
• Understanding DPDP Act compliance for customer data handling 

• Risk Scoring Models (Good to Have)

  : 
• Working knowledge of inputs used in internal credit models 

6. Project & Communication Skills

• Agile Tools

  :  
• JIRA, Confluence for sprint planning & requirement documentation formats 

• Strong Data Storytelling

  : 
• Presenting insights and trends clearly to product, risk, or operations teams 

• Collaboration with Data Engineering Teams

  : 
• Translate business needs into data requirements, schemas, and validations 

• Stakeholder Communication

  :  
• Ability to work with risk, compliance, IT, operations, and business heads. 

• Change Management Readiness

  :  
• Supporting adoption of new systems/processes. 

• Presentation & Reporting

  :  
• Converting findings into clear, impactful reports or dashboards. 

Bonus Skills (Niche but Valuable)

• Working with

  UPI/NACH/Account Aggregator

  datasets 
• Knowledge of

  data lakes or cloud-based analytics stacks

  (e.g. Snowflake, AWS Redshift) 
• Hands-on with

  A/B testing

  or

  loan decisioning analytics

   
• Familiarity with

  AI/ML usage in loan decisioning

  .