Senior Business Analyst

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About Us

CART

Senior Business Analyst

Role Overview

As a Senior Business Analyst in the Credit Underwriting domain, you will act as a critical link between business stakeholders and the technical development team. Your role will involve gathering and analyzing requirements, conducting credit data assessments, and shaping CART’s functionality to align with client needs.

Bank Statements, ITRs, GST, CIBIL (Consumer & Commercial), and CAMs

Key Responsibilities

• Requirement Gathering:

  Collaborate with stakeholders to identify and prioritize business requirements for the credit underwriting lifecycle.

• Credit Data Analysis:

  Analyze financial documents and datasets to identify trends, patterns, and actionable insights for improving CART’s performance.

• Documentation:

  Prepare BRDs, use cases, and functional specifications. Maintain clear documentation throughout the project lifecycle.

• Stakeholder Liaison:

  Serve as the communication bridge between product owners, credit teams, and developers to ensure alignment.

• Testing & QA Support:

  Define acceptance criteria and assist QA teams in validating that delivered features meet business expectations.

• Process Optimization:

  Recommend and drive process improvements within CART to enhance automation, accuracy, and operational efficiency.

• Client Demos & Training:

  Conduct product demonstrations, onboarding, and training sessions for client teams.

• Risk Assessment Support:

  Contribute to the evaluation and mitigation of risks associated with credit policy changes and product upgrades.

• Market Research:

  Stay informed about fintech trends, regulatory changes, and emerging technologies relevant to credit and risk assessment.

Qualifications & Skills

• Bachelor's degree in Business, Finance, Computer Science, or related field
• Advanced degrees such as CA/CMA/MBA in Finance are a plus
• 5+ years of experience in credit underwriting or financial services, preferably as a Business Analyst
• Proficiency in Excel, SQL, and data visualization tools
• Strong analytical and problem-solving skills
• Experience with BRD writing, Agile/Scrum methodologies, and project tracking tools (e.g., JIRA)
• Excellent communication skills with a focus on clarity and precision
• Exposure to credit risk modeling and compliance frameworks is an advantage
• Highly organized and detail-oriented

Why Join Us?

If you're passionate about driving innovation in credit underwriting and want to work on a high-impact fintech product, Novel Patterns offers the perfect platform for growth and challenge. CART is transforming how credit decisions are made - and you can be part of that transformation.