Senior Business Analyst – Consumer Finance/Credit Lending (CoFi)

About the Company

HCLTech is one of the world's fastest-growing large tech companies, with 225,000+ colleagues across 60 countries. We combine industry expertise with leading capabilities in Digital, Engineering, and Cloud to help global organizations transform at scale. Joining HCLTech means being part of a diverse, international environment where you can contribute to meaningful transformation, work with expert teams, and grow your career on high-impact programs. We promote equal opportunities for all employees, regardless of cultural and social background, gender, disability, age, religion, beliefs, and sexual identity. In the case of equal suitability, priority consideration will be given to severely disabled applicants and those of equal status.

About the Role

Are you a Senior Business Analyst with strong experience in Consumer Finance, Credit & Lending, and banking transformation? Do you enjoy translating complex business needs into scalable solutions and working at the intersection of business, technology, and modernization? At HCLTech, we are looking for a highly experienced Senior Business Analyst to join a major Consumer Finance transformation initiative. This role offers the opportunity to work across the full lending lifecycle, support credit decisioning and AI-enabled use cases, and help drive the evolution from legacy mainframe environments to modern banking platforms.

Responsibilities

• Drive business analysis across the end-to-end Consumer Lending lifecycle
• Gather, analyze, and document business and functional requirements
• Support lending processes including Advisory, Initiation, Credit Decisioning, and post-decision / prolongation
• Work closely with business stakeholders, IT teams, and architects to support solution design
• Lead workshops, walkthroughs, and requirement validation sessions
• Analyze legacy mainframe lending systems to support impact analysis and future-state design
• Perform source-to-target data mapping from legacy structures to modern target platforms
• Extract and document business logic from COBOL-based applications
• Support transformation initiatives involving AI-enabled credit decisioning and document processing
• Ensure traceability from business requirements through to implementation

Qualifications

Proven experience as a Business Analyst / Business Functional Analyst in banking or financial services

Required Skills

• Strong expertise in Consumer Finance / Lending
• Proven experience across the end-to-end lending lifecycle
• Strong background in requirements engineering, functional analysis, and stakeholder engagement
• Experience working with legacy mainframe-based lending systems
• Ability to read and interpret COBOL programs and understand embedded business logic
• Strong experience in source-to-target data mapping
• Good knowledge of SQL for analysis and validation
• Strong communication skills and ability to work across business and IT teams
• German language skills: C1 or higher

Preferred Skills

• Experience with Thought Machine Vault or other modern core banking platforms
• Knowledge of JCL, VSAM, DB2
• Exposure to AI-enabled banking solutions
• Experience in mainframe modernization or large banking transformation programs

Pay range and compensation package

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Equal Opportunity Statement

We promote equal opportunities for all employees, regardless of cultural and social background, gender, disability, age, religion, beliefs, and sexual identity. In the case of equal suitability, priority consideration will be given to severely disabled applicants and those of equal status.