Role : Software Business Analyst

Experience : 5-12 Years

Location : Mumbai

Role Overview :

We are looking for a detail-oriented and product-driven Business Analyst who can bridge the gap between business, technology, and user experience.

You will play a critical role in defining product requirements, optimizing workflows, and driving data-backed decisions across our lending and financial platforms.

Key Responsibilities :

- Collaborate with product managers, engineering, credit, and operations teams to define and refine product requirements

- Gather, analyze, and document business requirements, BRDs, FRDs, and user stories

- Translate complex business needs into clear functional specifications and workflows

- Work closely with tech teams to ensure accurate implementation of requirements

- Perform gap analysis, impact analysis, and feasibility assessments

- Define acceptance criteria and support UAT testing

- Track product performance using data, analytics, and user behavior insights

- Drive process improvements and automation initiatives

- Collaborate with UI/UX teams to ensure intuitive and high-conversion user journeys

- Work closely with API vendors (KYC, credit bureaus, payment gateways, lenders) to integrate and optimize third-party services across the lending lifecycle

- Work closely with fintech partners to integrate loan products, aligning on business logic, APIs, and customer journeys

Required Skills & Qualifications :

- 5+ years of experience as a Business Analyst in software/product companies (Fintech preferred)

- Strong understanding of lending products (SCF, Personal Loans, EWA, BNPL, etc.)

- Experience with API integrations, system design, and data flows

- Proficiency in writing user stories, use cases, and process flows (BPMN/UML)

- Hands-on experience with tools like JIRA, Confluence, SQL, Excel, Postman

- Strong analytical thinking and problem-solving skills

- Experience working in Agile/Scrum environments

- Excellent communication and stakeholder management skills

Good to Have :

- Experience with credit bureau data (CIBIL, Experian, CRIF, Equifax)

- Understanding of FOIR, underwriting rules, risk models

- Exposure to AI/ML-driven credit decisioning systems

- Familiarity with regulatory requirements in fintech (RBI guidelines, KYC, etc.)