Job Description

We are seeking a highly motivated AI Specialist / Business Analyst with experience in Banking, Credit Risk, Credit Origination, and Early Warning Signals (EWS) to support the design, implementation, and enhancement of AI-driven solutions across the credit lifecycle.

The ideal candidate will work closely with business stakeholders, risk teams, data scientists, and technology teams to identify opportunities for leveraging Artificial Intelligence and Machine Learning to improve credit decisioning, risk monitoring, fraud detection, customer assessment, and portfolio management.

This role requires strong domain expertise in lending products, credit underwriting processes, risk management frameworks, and AI-powered analytics.

Key Responsibilities

Credit Origination & Underwriting

• Analyze and document business requirements for AI-enabled credit origination solutions.
• Enhance loan application assessment processes using predictive analytics and machine learning models.
• Collaborate with risk and business teams to optimize credit approval workflows.
• Support implementation of AI-based customer scoring and creditworthiness assessment models.
• Define business rules and model requirements for retail, SME, and corporate lending products.

Early Warning Signals (EWS)

• Design and enhance AI-driven Early Warning Signal frameworks to identify potential credit deterioration.
• Develop risk indicators using internal and external data sources.
• Monitor borrower behavior, repayment patterns, transaction trends, and financial health indicators.
• Support predictive models for delinquency forecasting, default prediction, and portfolio risk management.
• Establish automated alerting mechanisms for high-risk accounts.

AI & Data Analytics

• Work with Data Scientists and AI Engineers to translate business requirements into analytical models.
• Define feature engineering requirements for credit risk and EWS models.
• Evaluate model outputs and ensure alignment with business objectives and regulatory requirements.
• Participate in AI model validation, testing, and performance monitoring.
• Support implementation of Generative AI and Machine Learning use cases within lending operations.

Stakeholder Management

• Facilitate workshops and requirement gathering sessions with Credit, Risk, Compliance, Collections, and Operations teams.
• Prepare BRD, FRD, user stories, process flows, and solution documentation.
• Act as a liaison between business users and technical teams.
• Support UAT planning, execution, and defect resolution.

Regulatory & Risk Compliance

• Ensure AI solutions comply with regulatory guidelines and internal governance standards.
• Support model governance, explainability, fairness, and audit requirements.
• Work closely with Compliance and Risk Management teams to address regulatory expectations.

Required Skills & Experience

Domain Expertise

• 5+ years of experience in Banking, Financial Services, or FinTech.
• Strong understanding of:
• Credit Origination
• Credit Risk Assessment
• Loan Underwriting
• Early Warning Signals (EWS)
• Portfolio Monitoring
• Collections & Recovery
• Basel Frameworks
• IFRS 9 Concepts

AI & Analytics Knowledge

• Knowledge of:
• Artificial Intelligence (AI)
• Machine Learning (ML)
• Predictive Analytics
• Generative AI
• Risk Scoring Models
• Credit Decision Engines
• Familiarity with:
• Python
• SQL
• Data Analytics Tools
• BI Platforms (Power BI, Tableau)

Business Analysis Skills

• Experience in BRD, FRD, User Stories, Gap Analysis, and Process Mapping.
• Strong stakeholder management and communication skills.
• Experience working in Agile/Scrum environments.