About Cognizant ConsultingCognizant Consulting is the consulting arm of Cognizant, comprising 6,000+ experts globally who help Fortune 500 clients reimagine their businesses. The practice blends industry insight, technology advisory, and transformation expertise to deliver innovative solutions across sectors such as Banking, Insurance, Healthcare, Life Sciences, Energy, Utilities, Retail.About the RoleAs a Credit Risk Business Analyst, you will play a pivotal role in bridging business and technology for leading financial institutions. You will collaborate with stakeholders, product owners, and technology teams to design and deliver solutions that enhance credit risk reporting and regulatory compliance. This role demands strong domain expertise in Credit Risk models (LGD, PD, EAD), hands-on experience with LEF and SCCL reporting, and a solid understanding of AIRB/FIRB frameworks.Location: ChennaiNotice Period: Immediate to 60 daysYears of Experience: 4 to 14 YearsJob Description• Credit Risk knowledge – hands on experience in Credit Risk reporting like LEF , SCCL. understanding AIRB / FIRB models • IT BA experience • Hands on SQL • Agile project execution • Good presentation and communication skillsKnowledge and Experience: - Minimum Bachelor’s degree. Specialization in Business, Finance, Engineering, Math or Sciences is desirable. - Experience in financial risk management , credit risk , credit risk model (LGD,PD,EAD) – hands on experience in LEF, ESN, and SCCL - Experience in identifying and assessing key business processes , understanding of data ingestion from FO especially in EOD c format - Experience in Basel regulation - Experience working in Agile projects, using Jira, creating user stories, and overall knowledge of the Agile Framework. Skills and Competencies: - Ability to quickly learn organizational structure, business strategies and processes - Good knowledge of Capital Markets, Risk Management and reporting - Should have sound understanding of financial instruments basics- loans , deposits , repos , seclending - Specific Domain skills : Finance & Risk Experience in Functional analysis on Liquidity reporting / Credit Risk credit risk model (LGD,PD,EAD) - AIRB models – credit exposure calculation - Lead discussions on detailed requirement phases identifying, tracking, escalating and/or resolving business systems issues - Knowledgeable on business process modeling, process mapping - Knowledge of IT delivery methodologies: Agile, Iterative Waterfall and Waterfall - Write clear and well-structured business requirements documents, User stories if required. - Advanced ability to resolve minor conflicts/issues using different tactics for prior to escalation - Strong analytical and problem solving skills - Strong written and verbal communication skills Attributes: - Business acumen - Able to deal with ambiguity - Analytical thinker, detailed-oriented with good problem solving skills - Results oriented - Organized with strong time management skills - Ability to work independentlyIf you are interested, please share your updated resume with [email protected].Subject Line: Credit Risk Business Analyst, BFS Consulting About Cognizant: Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant. Additional employment information Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law. Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview. Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.