Technical Business Analyst – Credit Risk

Location: Halifax, UK (3 days a week in office)

Role: Technical Business Analyst – Credit Risk

Domain: Banking / Credit Risk

Project: Transformation & Re‑imagining Credit Risk use-cases in a Cloud & AI enabled environment

About the Role

We are seeking experienced Business Analysts (Customer Journey Managers) to support a strategic initiative to reimagine existing SAS based Credit Risk estate for a leading bank on Google Cloud Platform (GCP).

Role requires engaging directly with business and risk users to understand these journeys and document them clearly enough for GCP architects and engineers to redesign and rebuild them. This role requires strong stakeholder engagement, excellent documentation skills, and banking / Credit Risk domain experience.

Key Responsibilities

1. Discovery & Stakeholder Engagement

• Run workshops and interviews with business and Credit Risk users to understand how they use SAS analytics today.
• Identify and agree the full set of customer journeys (use cases) in scope and maintain a journey inventory.
• Build trusted working relationships with business, risk, data, and technology stakeholders.
• Prioritise journeys with stakeholders based on business value, risk, and complexity.

2. Current-State Documentation

• Document current-state (AS‑IS) journeys end to end, covering inputs, data sources, processing steps, outputs, consumers, frequency, and pain points.
• Develop process flows and workflow diagrams using tools such as Visio, Lucidchart, Draw.io, etc.
• Capture upstream and downstream dependencies, manual steps, and controls around each journey.
• Maintain documentation in a structured, reusable format and keep it current as the work progresses.

3. Requirements & Future-State Definition

• Translate business needs into user stories, acceptance criteria, and clear requirements that architects and engineers can act on.
• Define future-state (TO‑BE) requirements for journeys to be rebuilt on GCP.
• Identify opportunities to streamline, automate, and modernise journeys, such as self-service reporting, Looker dashboards, and conversational analytics.
• Highlight process gaps, inefficiencies, risks, and quick wins in the current design.

4. Collaboration with GCP Architects & Engineers

• Act as the bridge between business and risk users and the GCP architecture and engineering teams.
• Walk architects and engineers through each documented journey and answer questions on business context during design and build.
• Support validation of rebuilt journeys with business users, including UAT planning.
• Participate in sprint planning, backlog grooming, and show-and-tell sessions.

5. Delivery & Governance

• Track progress across journeys and report status, risks, and dependencies to the project lead.
• Support project governance, RAID management, and reporting activities.
• Ensure alignment between Credit Risk business needs, regulatory expectations, and technical implementation.

Required Skills & Experience

Domain & Functional Skills

• Proven experience as a Business Analyst in banking or financial services, ideally in Risk or Credit Risk.
• Understanding of how business and risk users use analytics and reporting to support credit risk activities.
• Experience supporting data, analytics, or platform migration / transformation programmes.

Business Analysis Skills

• Excellent ability to run workshops and elicit requirements from senior business and risk users.
• Strong experience documenting current-state and future-state processes (process maps, user stories, requirement specs).
• Ability to translate business needs into clear inputs for technical teams.
• Ability to work in a blended team with client staff, Risk analysts, and GCP architects and engineers.
• Strong problem-solving, analytical, written, and verbal communication skills.
• Experience with JIRA, Confluence, and Agile/Scrum environments.

Technical Awareness

• Working understanding of data concepts such as data sources, lineage, and reporting outputs.
• Ability to read and discuss technical design documents with architects and engineers.

Preferred Qualifications

• Working knowledge of SAS analytics and how it is used in risk.
• Familiarity with GCP, BigQuery, or Looker concepts.
• Experience working with offshore or multi-vendor analyst teams.
• Exposure to AI / conversational analytics use cases is an added advantage.
• Basic SQL skills are an added advantage.
• Willingness to be on site in Halifax every week (essential).

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