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Digital Lending Business Analyst

New

PwC Österreich

Job

  • Level
    Senior
  • Job Field
    Project, Requirements
  • Employment Type
    Full Time
  • Contract Type
    Permanent employment
  • Salary
    from 61.000 € gross/year
  • Location
    Vienna
  • Working Model
    Onsite

    • Job Summary

    In this role, you analyze digital lending processes, translate regulatory requirements into concrete designs, and support product development for SME lending origination.

    Job Technologies

    Your role in the team

    • We are looking for an IT Business Analyst with 5+ years of experience in Digital Lending Transformation projects at major European banks or financial institutions, to act as the functional-domain backbone of a delivery-led service offer focused on SME lending origination.
    • On a solid IT business analysis foundation, this role puts domain depth first: the successful candidate bridges business needs and IT solutions, knows how SME lending origination actually works, and can turn regulatory and business requirements into concrete design.
    • Beyond delivery, they co-author the offer's reusable assets and support business development.
    • Client-facing pre-sales is done in support of the offer lead rather than owned end-to-end.
    • The candidate works closely with business stakeholders, developers, testers and project managers to ensure solutions meet business objectives and regulatory requirements.
    • Domain & Regulation
    • Own the SME origination domain: Be the reference point across application intake, KYC/onboarding, creditworthiness assessment, underwriting, decisioning, offer, disbursement and monitoring.
    • Translate regulation into design: Assess the impact of regulatory change (e.g. EBA Loan Origination & Monitoring guidelines) on lending systems and turn obligations into testable requirements, controls and target-state processes.
    • Co-author reusable assets: Build, with the offer lead, the capability reference model, the vendor-selection framework (scoring, RFI/RFP, TCO), the integration reference architecture and the governance & migration playbook.
    • Drive fit-gap and platform assessment: Assess origination platforms against a capability reference model and lead structured fit-gap analysis.
    • Support pre-sales: Contribute domain credibility to pitches, proposals and client workshops, in support of the offer lead.
    • IT Business Analysis & Delivery
    • Gather, analyze and document functional and technical requirements related to lending products and processes.
    • Translate business needs into clear, structured documentation (Business Requirement Documents, User Stories, Use Cases).
    • Zusammenarbeit mit Entwicklungsteams, um die Abstimmung zwischen technischer Umsetzung und Geschäftsziele sicherzustellen.
    • Support functional testing and coordinate UAT (User Acceptance Testing).
    • Monitor project progress, identify issues and contribute to their resolution.

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    Our expectations of you

    Qualifications

    • Proven track record delivering complex IT projects in Financial Services (traditional banks, digital banks or fintech), ideally including a delivered SME (or commercial) lending origination transformation.
    • EBA LOM fluency -- able to translate the guidelines into requirements and controls.
    • Vertrautheit mit der Bonitäts- und Bezahlbarkeitsprüfung im Zusammenhang mit der Kreditvergabe, ausreichend, um mit Risikoteams zusammenzuarbeiten.
    • Exposure to automated decisioning solutions (e.g. credit decision engines) is valued.
    • Process modeling tools and methodologies (BPMN, UML).
    • Project-management and ticketing tools (JIRA, Confluence).
    • Comfortable navigating complex IT architectures; integration and data literacy (APIs, core banking touchpoints, data flows for decisioning).
    • Vertrautheit mit der Landschaft der Anbieter von Originations-Plattformen.
    • Strong analytical and problem-solving skills; comfortable structuring ambiguity and building from a blank page.
    • Effective communication and interpersonal abilities, credible in front of senior client stakeholders.
    • In der Lage, selbstständig und in interdisziplinären Teams zusammenzuarbeiten.
    • Proactive mindset with a focus on continuous improvement.
    • You don't meet all the listed requirements? No problem! Not every applicant has to fulfill all criteria -- we are happy to invest in your abilities!

    Experience

    • 5+ Jahre als IT Business Analyst in Digital Lending Transformation-Projekten.
    • Working experience with relational databases and SQL.

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    What we offer

    • On a full-time basis, we offer an entry salary for a Senior Associate from EUR 61,000 per year (all-in).
    • Depending on your qualifications and experience, we will agree your actual salary in a personal conversation.
    • Haben Sie mehr zu bieten als das Minimum? Wir auch.
    • In unserem Unternehmen steigt Ihr Gehalt jährlich.

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    Benefits

    Work-Life-Integration

    Higher Take-Home Pay

    Health, Fitness & Fun

    Food & Drink

    Topics You Will Work On

    Job Locations

    Map of company locations© OpenMapTiles, © OpenStreetMap contributors

    • Location Vienna

      Austria

    About Your Employer

    PwC Österreich

    PwC Österreich

    Klagenfurt Am Wörthersee, Graz, Salzburg, Wien, Linz

    PwC is one of the leading consulting firms in the world, offering services in auditing, tax and legal advice, and business consulting. We have a long history of providing quality services to our clients, and our team of experts is second to none.

    Description

  • Company Size
    250+ Employees
  • Founding Year
    1994
  • Language
    German, English
  • Company Type
    Established Company
  • Working Model
    Hybrid
  • Industry
    Banking, Finance, Insurance, Consulting, Law, Finance, Economics
    • Logo PwC Österreich

    Digital Lending Business Analyst

    PwC Österreich
    Salary
    from 61.000 € gross/yearEstimated net salary based on the gross salary in the job ad.from 41.635 € net/year
    Location
    Vienna
    Working Model
    Onsite
    Diversity
    Open for all genders
    English Only
    English only required

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