AI Specialist / Business Analyst - Credit Origination & Early Warning Signals

Job Summary

We are seeking a highly motivated AI Specialist / Business Analyst with experience in Banking, Credit Risk, Credit Origination, and Early Warning Signals (EWS) to support the design, implementation, and enhancement of AI-driven solutions across the credit lifecycle.

The ideal candidate will work closely with business stakeholders, risk teams, data scientists, and technology teams to identify opportunities for leveraging Artificial Intelligence and Machine Learning to improve credit decisioning, risk monitoring, fraud detection, customer assessment, and portfolio management.

This role requires strong domain expertise in lending products, credit underwriting processes, risk management frameworks, and AI-powered analytics.

Key ResponsibilitiesCredit Origination & Underwriting

Analyze and document business requirements for AI-enabled credit origination solutions.

Enhance loan application assessment processes using predictive analytics and machine learning models.

Collaborate with risk and business teams to optimize credit approval workflows.

Support implementation of AI-based customer scoring and creditworthiness assessment models.

Define business rules and model requirements for retail, SME, and corporate lending products.

Early Warning Signals (EWS)

Design and enhance AI-driven Early Warning Signal frameworks to identify potential credit deterioration.

Develop risk indicators using internal and external data sources.

Monitor borrower behavior, repayment patterns, transaction trends, and financial health indicators.

Support predictive models for delinquency forecasting, default prediction, and portfolio risk management.

Establish automated alerting mechanisms for high-risk accounts.

AI & Data Analytics

Work with Data Scientists and AI Engineers to translate business requirements into analytical models.

Define feature engineering requirements for credit risk and EWS models.

Evaluate model outputs and ensure alignment with business objectives and regulatory requirements.

Participate in AI model validation, testing, and performance monitoring.

Support implementation of Generative AI and Machine Learning use cases within lending operations.

Stakeholder Management

Facilitate workshops and requirement gathering sessions with Credit, Risk, Compliance, Collections, and Operations teams.

Prepare BRD, FRD, user stories, process flows, and solution documentation.

Act as a liaison between business users and technical teams.

Support UAT planning, execution, and defect resolution.

Regulatory & Risk Compliance

Ensure AI solutions comply with regulatory guidelines and internal governance standards.

Support model governance, explainability, fairness, and audit requirements.

Work closely with Compliance and Risk Management teams to address regulatory expectations.

Required Skills & ExperienceDomain Expertise

5+ years of experience in Banking, Financial Services, or FinTech.

Strong understanding of:

Credit Origination

Credit Risk Assessment

Loan Underwriting

Early Warning Signals (EWS)

Portfolio Monitoring

Collections & Recovery

Basel Frameworks

IFRS 9 Concepts

AI & Analytics Knowledge

Knowledge of:

Artificial Intelligence (AI)

Machine Learning (ML)

Predictive Analytics

Generative AI

Risk Scoring Models

Credit Decision Engines

Familiarity with:

Python

SQL

Data Analytics Tools

BI Platforms (Power BI, Tableau)

Business Analysis Skills

Experience in BRD, FRD, User Stories, Gap Analysis, and Process Mapping.

Strong stakeholder management and communication skills.

Experience working in Agile/Scrum environments.