Senior Business Analyst: Credit Experience

In brief

**Overview** This role is for an experienced Senior Business Analyst with credit experience, based in Somerset West, working for a Banking Client via Talent Candey. The position focuses on analysing, designing, and improving customer journeys for the Bank's credit products. The successful candidate will translate regulatory requirements into practical business and system needs, ensuring an efficient and user-friendly customer experience while balancing regulatory compliance, customer needs, risk considerations, and commercial objectives. The role also supports the development of new credit capabilities. **What you will do** * **Business Analysis & Requirements Definition** * Gather, analyse and document business requirements for credit products and customer journeys. * Translate regulatory requirements into clear functional and non-functional requirements. * Develop business rules, user stories, acceptance criteria and process documentation. * Ensure requirements are traceable from regulatory obligations through to implementation and supporting evidence. * Work with Product, Compliance, Legal, Risk, Design and Technology teams to clarify requirements. * Identify gaps, dependencies and opportunities for improvement. * **Credit Customer Journey Design** * Analyse and design end-to-end customer journeys across credit products. * Define customer information, consent, disclosures and supporting evidence requirements. * Ensure customer journeys meet regulatory and business requirements. * Support the design of credit application, onboarding, affordability assessment, contracting and servicing journeys. * Ensure requirements are applied consistently across digital and assisted channels. * Work with UX/Design teams to create simple, efficient and compliant customer experiences. * **Regulatory Compliance Integration** * Translate applicable credit and financial services legislation into practical business requirements. * Apply knowledge of the National Credit Act (NCA), including affordability assessments and responsible lending requirements. * Incorporate relevant FICA customer identification and verification requirements. * Ensure POPIA requirements are appropriately reflected in customer information processing and consent. * Define appropriate disclosures, declarations and record-keeping requirements. * Work with Compliance and Legal teams to validate regulatory interpretations and implementation requirements. * **Customer Experience Optimisation** * Identify unnecessary complexity and friction within customer journeys. * Analyse customer drop-off, abandonment and process inefficiencies. * Recommend improvements to customer interactions and information requirements. * Challenge unnecessary controls or requirements where the underlying regulatory obligation can be achieved more effectively. * Balance customer experience, compliance, commercial and risk considerations. * Support continuous improvement of credit customer journeys. * **Systems & Technology Collaboration** * Work closely with developers, engineers and Solution Architects. * Translate business requirements into clear system behaviour and functional specifications. * Understand system integrations, APIs, data flows and dependencies. * Identify impacts of proposed changes across channels, processes and systems. * Participate in solution discussions and support technical delivery. * Ensure requirements are understood and implemented correctly. * **Testing, Implementation & Problem Resolution** * Develop and support business acceptance criteria. * Participate in testing and User Acceptance Testing (UAT). * Validate that implemented solutions meet business and regulatory requirements. * Investigate customer experience and compliance-related incidents. * Conduct root-cause analysis and recommend corrective requirements. * Support implementation and post-launch improvements. * Maintain ownership of requirements through to successful delivery. * **Innovation & Continuous Improvement** * Identify opportunities to simplify and improve credit customer journeys. * Apply structured problem-solving and systems thinking. * Use AI and modern analytical tools to improve requirements analysis, scenario development and documentation quality. * Ensure AI-assisted outputs are appropriately reviewed and validated. * Support the development of scalable credit capabilities within a growing banking environment. **Requirements (from the original advert)** * Proven Senior Business Analyst experience within banking. * Strong understanding of consumer credit products and the lending lifecycle. * Previous banking experience essential. * Proven experience designing regulated customer journeys, preferably within lending. * Experience developing or implementing customer journeys or significant new capabilities from scratch. * Greenfield or major transformation project experience. * Strong business analysis fundamentals, including requirements gathering, process analysis, business rules, data, traceability and testing. * Working knowledge of the National Credit Act, FICA and POPIA. * Experience balancing customer experience with compliance, risk and commercial considerations. * Experience working across digital and assisted customer channels. * Experience collaborating with Product, UX/Design, Compliance, Legal, Risk and Technology teams. * Understanding of APIs, integrations, data and system behaviour. * Strong analytical, communication and problem-solving skills. * Ability to demonstrate actual implementation and delivery outcomes. * Applicants must demonstrate proven experience in Banking and consumer credit. * Applicants must demonstrate proven experience in Credit customer journey design. * Applicants must demonstrate proven experience in Regulatory requirements analysis. * Applicants must demonstrate proven experience in Business requirements gathering and documentation. * Applicants must demonstrate proven experience in Customer experience optimisation. * Applicants must demonstrate proven experience in Credit application and lending processes. * Applicants must demonstrate proven experience in NCA, FICA and POPIA requirements relevant to credit journeys. * Applicants must demonstrate proven experience in Business rules and process analysis. * Applicants must demonstrate proven experience in Digital and assisted customer channels. * Applicants must demonstrate proven experience in Cross-functional stakeholder engagement. * Applicants must demonstrate proven experience in Systems and technology collaboration. * Applicants must demonstrate proven experience in Testing and implementation. * Applicants must demonstrate proven experience in Greenfield development or significant transformation projects. **Who should apply** The ideal candidate is a specialist with a "strong builder mentality" and a deep understanding of consumer lending. They should be customer-centric, possess strong analytical and problem-solving skills, and exhibit systems thinking, attention to detail, constructive challenge, and curiosity. The candidate needs to be technically fluent, demonstrate strong stakeholder communication and commercial awareness, and be accountable, ownership-driven, independent, adaptable, and take initiative. Comfort with using AI tools to support analysis and delivery is also desired. **Deadline** Not specified **Reference** Original posting: https://www.jobmail.co.za/jobs/insurance-and-investments/clerical-insurance/somerset-west/senior-business-analyst-credit-experience-id-7599830 Source: jobmail

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