#BusinessAnalyst #SystemAnalyst #RiskAnalyst #Fintech #Banking #CreditRisk

Company: Zontik Work format: remote, RF only Salary: 320k gross (individual entrepreneur/labor contract)

Senior Business / Risk Analyst — Credit Risks

We are looking for an analyst at the intersection of business and risk technologies to develop credit decision-making processes. The role involves a deep dive into credit strategies, automated risk systems, and identifying opportunities to improve process efficiency.

🧠 What we expect:

— 4–5 years of experience as a business, system, or risk analyst; — experience in banking, fintech, or credit risk; — understanding of the full credit process (application → decision → issuance); — understanding of scoring models, cut-off strategies, and client segmentation; — experience with decision engines / rule-based systems; — skills in analyzing, decomposing, and optimizing complex processes; — ability to identify logical inconsistencies and hidden problems; — experience in describing business processes and business logic; — confident command of BPMN, process diagrams, and structured requirement documentation; — basic SQL knowledge; — experience interacting with business, risk technologists, and development teams; — basic programming skills will be an advantage.

🔧 What you will be doing:

— analyzing end-to-end credit risk processes; — identifying process and technological GAPS; — analyzing decision-making strategies (rules, cut-off, segmentation); — documenting business processes and the logic of automated risk systems; — forming and decomposing tasks for refining processes and strategies; — participating in assessing the impact of changes with the team; — coordinating decisions with portfolio managers and risk technologists; — participating in release planning and controlling the correct implementation of requirements; — clarifying and structuring business requirements for new initiatives.

➕ Will be a plus:

— experience with credit decision engines; — experience in developing automated decision-making systems; — understanding of the architecture of risk systems and credit pipeline processes.

🛠 Stack and tools:

BPMN, SQL, Jira, Decision Engine, Rule Engine, credit scoring and decision-making systems

📩 Contact: dyshaeva