Sr. Business Analyst - Retail credit and Finance

Role Overview

Sr. Business Analyst - Retail Credit and Finance at Alghanim Industries. The role partners with Consumer Credit, Finance, Accounting, and Automation systems to ensure regulatory compliance, financial accuracy, operational efficiency, and digital transformation across the consumer lending lifecycle while supporting Agile and hybrid delivery models.

Role Purpose

Act as a domain-driven IT partner supporting Consumer Credit, Finance, Accounting, and Automation systems, ensuring regulatory compliance, financial accuracy, operational efficiency, and digital transformation across the consumer lending lifecycle, while supporting Agile and hybrid delivery models.

Key Responsibilities

Requirements Translation & Specification

• Translate consumer credit and finance requirements into functional and technical system specifications.

Agile & Project Delivery

• Support Agile and hybrid project delivery by converting business requirements into epics, user stories, and acceptance criteria, while maintaining formal BRD/FSD documentation.
• Participate in sprint planning, UAT, production releases, incident resolution, and audit queries.

Lending Lifecycle Support

• Support end-to-end consumer lending lifecycle: origination, disbursement, servicing, collections, write-offs, and closure.

Financial Accuracy & Controls

• Ensure accurate interest computation, amortization, fees, penalties, and GL postings.
• Support IFRS-9 / Expected Credit Loss (ECL) logic, provisioning, and financial reconciliations.

Systems Integration

• Integrate lending platforms with core finance systems, payment gateways, and regulatory reporting tools.

Automation & Process Improvement

• Lead or support automation initiatives (RPA, workflows, exception handling, reconciliations).

Compliance & Governance

• Ensure compliance with CBK / GCC Central Bank regulations, audit requirements, and internal controls.

Qualifications & Experience

• Bachelor's degree in Computer Science, Information Technology, Finance, Accounting, or Business Administration.
• 5–10 years as an IT or Business Systems Analyst.
• Mandatory experience in Consumer Credit / Retail Lending and Finance & Accounting systems.
• Experience working with Loan Management Systems (LMS), Core Banking / Credit Platforms, and ERPs.
• Exposure to Agile or hybrid project delivery environment.