Business Analyst; Credit Risk

EXL (NASDAQ: EXLS) is a global data and artificial intelligence ("AI") company that offers services and solutions to reinvent client business models, drive better outcomes and unlock growth  harness the power of data, AI and deep industry knowledge to transform businesses, working with the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media and retail, among others.

EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity and respect.

EXL headquarters in New York, our team is over 63,000 strong, with more than 50 offices spanning six continents. For information, visit .

Role: Technical Business Analyst
Domain: Banking / Credit Risk
Project: Transformation & Re‑imagining Credit Risk use-cases in a Cloud & AI enabled environment
Location: Halifax, UK (2-3 days a week in office with need-based travel to other bank locations)
Employment Type: Contract ( Umbrella Contractor Inside IR35)

We are seeking experienced Business Analysts (Customer Journey Managers) to support a strategic initiative to reimagine existing SAS based Credit Risk estate for a leading bank on Google Cloud Platform (GCP).

Role requires engaging directly with business and risk users to understand these journeys and document them clearly enough for GCP architects and engineers to redesign and rebuild them. This role requires strong stakeholder engagement, excellent documentation skills, and banking / Credit Risk domain experience
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• Run workshops and interviews with business and Credit Risk users to understand how they use SAS analytics today.
• Identify and agree the full set of customer journeys (use cases) in scope, and maintain a journey inventory
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• Build trusted working relationships with business, risk, data, and technology stakeholders.
• Prioritise journeys with stakeholders based on business value, risk, and complexity
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• Document current-state (AS‑IS) journeys end to end, covering inputs, data sources, processing steps, outputs, consumers, frequency, and pain points.
• Develop process flows and workflow diagrams using tools such as Visio, Lucidchart, Draw.io, etc.
• Capture upstream and downstream dependencies, manual steps, and controls around each journey.
• Maintain documentation in a structured, reusable format and keep it current as the work progresses.

• Translate business needs into user stories, acceptance criteria, and clear requirements that architects and engineers can act on.
• Define future-state (TO‑BE) requirements for journeys to be rebuilt on GCP.
• Identify opportunities to streamline, automate, and modernise journeys, such as self-service reporting, Looker dashboards, and conversational analytics.
• Highlight process gaps, inefficiencies, risks, and quick wins in the current design.

• Act as the bridge between business and risk users and the GCP architecture and engineering teams.
• Walk architects and engineers through each documented journey and answer questions on business context during design and build.
• Support validation of rebuilt journeys with business users, including UAT planning.
• Participate in sprint planning, backlog grooming, and show-and-tell sessions.

• Track progress across journeys and report status, risks, and dependencies to the project lead.
• Support project governance, RAID management, and reporting activities.
• Ensure alignment between Credit Risk business needs, regulatory expectations, and technical implementation.

• Proven experience as a Business Analyst in banking or financial…