Senior Credit Risk and Lending IT Business Analyst

Senior Credit Risk and Lending IT Business Analyst

Miejsce pracy: Kraków

Technologies we use

Operating system

• Windows

About the project

As a Senior Credit Risk and Lending IT Business Analyst, you will be working for our client, a leading entity in the financial services industry. You will play a pivotal role in bridging business needs and technology, driving the development and implementation of innovative solutions across the entire credit lifecycle. Your expertise will influence risk management, operational efficiency, and the colleague experience through data, automation, and AI-enabled advancements.

Unleash impactful innovation in credit risk & lending — shape smarter financial solutions!

Kraków-based opportunity with hybrid work model.

Only candidates with an existing legal right to work in the European Union will be considered for this role.

This is how we organize our work

This is how we work

• agile

Your responsibilities

• Lead structured discovery sessions with business stakeholders, subject matter experts, product owners, data specialists, and engineering teams to gather and analyze requirements.
• Translate complex credit and lending problems into clear business requirements, functional specifications, user stories, acceptance criteria, and process models.
• Define and document current-state and target-state processes across origination, analysis, decisioning, monitoring, and reporting phases.
• Identify opportunities for technology, data, automation, and AI solutions that enhance risk management and operational performance.
• Collaborate with software engineers, data specialists, and product owners to create practical, well-detailed requirements for technology and data-enabled solutions.
• Contribute to solution evaluation, readiness, rollout, and continuous improvement, including AI capabilities.
• Analyze data flows, business rules, controls, and dependencies, validating proposed solutions with technical teams.
• Act as a senior point of contact between business and technology teams, resolving ambiguities, and supporting informed decision-making throughout the project lifecycle.
• Challenge requirements constructively, assess options and trade-offs, ensuring solutions address core business problems.
• Support Agile practices via backlog management, refinement, sprint planning, reviews, and retrospectives.
• Facilitate solution validation, user acceptance testing, implementation, and adoption processes.
• Ensure all solutions adhere to internal control standards, data governance, security, and regulatory obligations.

Our requirements

• At least 7 years of experience as an IT Business Analyst in financial services, with strong knowledge of credit risk and lending processes.
• Practical understanding of the entire credit lifecycle, including origination, analysis, decisioning, monitoring, and reporting.
• Proven experience delivering technology, data, automation, or AI-enabled solutions from problem framing to implementation.
• Experience collaborating with software engineering and data teams on complex data flows, system integrations, or analytics solutions.
• Excellent requirements engineering skills: stakeholder interviews, workshops, process modeling, data analysis, user stories, acceptance criteria, and specifications.
• Ability to comprehend complex business rules and data dependencies, communicating them clearly across teams.
• Strong analytical, problem-solving, and critical thinking skills.
• Outstanding communication, facilitation, negotiation, and stakeholder management capabilities.
• Hands-on experience with Agile methodologies in dynamic, multidisciplinary environments.
• Proactive workspace management, ownership of outcomes from discovery to delivery.

Optional

• Certifications in Business Analysis or Agile methodologies.
• Experience working within financial regulation frameworks.

What we offer

• Stable and long-term cooperation with very good conditions
• Enhance your skills and develop your expertise in the financial industry
• Work on the most strategic projects available in the market
• Define your career roadmap and develop yourself in the best and fastest possible way by delivering strategic projects for different clients of ITDS over several years
• Participate in Social Events, training, and work in an international environment
• Access to attractive Medical Package
• Access to Multisport Program
• Access to Pluralsight
• Flexible hours

Benefits

• sharing the costs of sports activities
• private medical care
• flexible working time
• fruits
• integration events
• corporate gym
• saving & investment scheme
• no dress code
• coffee / tea
• drinks
• christmas gifts
• birthday celebration
• sharing the costs of a streaming platform subscription
• access to +100 projects
• access to Pluralsight

Recruitment stages

• online interview
• online interview

#GETREADY to meet with us!

ITDS Business Consultants is involved in many various, innovative and professional IT projects for international companies in the financial industry in Europe. We offer an environment for professional, ambitious, and driven people.

We would like to meet you. If you are interested please apply and attach your CV in English or Polish, including a statement that you agree to our processing and storing of your personal data.

ITDS’s Whistleblower Procedure

You can report violations in accordance with ITDS’s Whistleblower Procedure available here:

ITDS Polska Sp. z o.o.

ITDS supports financial service providers to take the next steps.

We identify what’s possible, every day. Opportunities in the areas of technology, organization, and digitization.

We see where banks, insurers, payment companies, or fintech can go and how they can get there.

That’s why we want to stimulate you to ramp up your ambition. Forget what you perceive as restraints and step towards the new reality.

ITDS in Poland - Pure player in new Technologies & Financial Industry

+300 IT implementation professionals

+20 clients in the Banking, Insurance, Payment & Fintech Industry

ITDS excels in digital strategy delivery and implementation of best-of-breed lending solutions. ITDS has delivered successful strategic projects throughout Europe since 1998. We combine the experience we’ve accumulated with in-depth knowledge of technologies, business processes, and EU legislation to unlock new business opportunities.

Informujemy, że administratorem danych jest ITDS z siedzibą w Warszawie, ul. Złota 59 (dalej jako "administrator"). Masz prawo do żądania dostępu do swoich danych osobowych, ich sprostowania, usunięcia lub ograniczenia przetwarzania, prawo do wniesienia sprzeciwu wobec przetwarzania, a także prawo do przenoszenia danych oraz wniesienia skargi do organu nadzorczego. Dane osobowe przetwarzane będą w celu realizacji procesu rekrutacji. Podanie danych w zakresie wynikającym z ustawy z dnia 26 czerwca 1974 r. Kodeks pracy jest obowiązkowe. W pozostałym zakresie podanie danych jest dobrowolne. Odmowa podania danych obowiązkowych może skutkować brakiem możliwości przeprowadzenia procesu rekrutacji. Administrator przetwarza dane obowiązkowe na podstawie ciążącego na nim obowiązku prawnego, zaś w zakresie danych dodatkowych podstawą przetwarzania jest zgoda. Dane osobowe będą przetwarzane do czasu zakończenia postępowania rekrutacyjnego i przez okres możliwości dochodzenia ewentualnych roszczeń, a w przypadku wyrażenia zgody na udział w przyszłych postępowaniach rekrutacyjnych - do czasu wycofania tej zgody. Zgoda na przetwarzanie danych osobowych może zostać wycofana w dowolnym momencie. Odbiorcą danych jest serwis Hello HR oraz inne podmioty, którym powierzyliśmy przetwarzanie danych w związku z rekrutacją.
Naruszenia można zgłaszać zgodnie z Procedurą zgłaszania nieprawidłowości ITDS dostępną tutaj: