Senior Analyst-Financial Spreading

Job Summary A Business Analyst with 3+years of experience and driving the product roadmap for lending domain products while gathering and translating business requirements into detailed BRDs, PRDs, and user stories. It focuses on conceptualizing features and end-to-end user journeys across the lending lifecycle, including credit appraisal and covenant management. The position requires close collaboration with engineering, design, and QA teams to ensure timely delivery, along with active participation in Agile processes. Additionally, it entails engaging with clients to understand needs, gather feedback, and leverage domain expertise to bridge business and technology solutions . Key Responsibilities: - Support new product development initiatives focused on financial spreading, covenant monitoring, and credit memo generation for corporate and commercial lending Enhance existing product capabilities across spreading, covenants, and credit memo generation by translating domain expertise into well-defined requirements and user stories Set up and conduct spreading demos and proof-of-concepts (POCs) for clients and internal stakeholders, showcasing product capabilities and gathering actionable feedback Collaborate closely with engineering, design, and QA teams to ensure timely and high-quality product delivery; participate in sprint planning, backlog grooming, and UAT Engage with clients and external stakeholders to understand spreading and credit workflow pain points, validate product concepts, and manage relationships across business and technical teams Apply deep domain knowledge of corporate and commercial lending — including financial spreading, credit appraisal, covenant management, and memo generation — to bridge the gap between business needs and technology solutions Core Competencies: - 3+ years of hands-on experience in financial spreading within corporate and commercial lending — either as a Credit Analyst or Risk Analyst in a bank, NBFC, or financial institution. Deep, practical knowledge of financial spreading: spreading financial statements (P&L, balance sheet, cash flows) for corporate and commercial borrowers interpreting key ratios, and identifying credit risks — this is the core requirement for this role. Proven experience working on digital spreading tools — preferably CreditLens, nCino, Moody's CreditCycle, or any other spreading/credit analysis platform; ability to evaluate tool capabilities and articulate gaps and enhancements Strong understanding of the end-to-end corporate and commercial lending credit process — from loan origination and credit appraisal through covenant monitoring and credit memo generation A genuine passion and strong motivation to transition into technology and product management; openness to learning product frameworks (requirements writing, user stories, roadmapping) on the job — prior BA or product experience is a plus but not mandatory Strong client communication and stakeholder management skills; ability to engage confidently with credit teams, relationship managers, and technology stakeholders across levels Ability to set up and demonstrate spreading workflows and POCs; comfort with running structured demos for clients and internal teams to validate product concepts Added advantage: prior exposure to product or BA work — such as requirements gathering, UAT participation, or process design — in a lending technology context Experience working in or alongside agile product teams is a plus; willingness to learn agile methodologies and product delivery frameworks Excellent communication and analytical skills; ability to articulate complex credit and spreading concepts clearly to both business and technology audiences Proficiency in MS Office (Excel, PowerPoint, Word); comfort with financial models and credit templates used in spreading workflows. Required Qualifications 3+ years of hands-on experience in financial spreading within corporate and commercial lending — either as a Credit Analyst or Risk Analyst in a bank, NBFC, or financial institution Leadership Perspectives Pallab Kumar Deb, CEO “Domain knowledge is the hardest thing to build in the age of AI. We've spent 25 years building it, workflow by workflow, in industries where getting the details wrong is expensive. That's what domain-led AI firm means here. Not a layer of AI on top of generic services, but AI built into the specific judgment calls our clients face every day. If you want to build AI that changes how real work gets done, not AI that just looks good in a demo, this is where that happens Nitin Garg, Executive Vice President for Corporate Investment Banking “As we celebrate 25 years of Evalueserve, we reflect on a simple idea that started it all: delivering smarter insights and lasting value. Today, that vision is a global reality serving leading investment banks and advisory firms. Looking ahead, we’re scaling intelligence with AI embedding technology into every workflow to deliver insights that are accurate, actionable, and transformative.” Why Join Evalueserve? Evalueserve is a global leader in managed services that empower smarter decision-making and streamline critical workflows for more than 30% of the Fortune 500 companies across 45 countries. With over 4,500 professionals worldwide, our solutions are grounded in deep domain expertise and enhanced by cutting-edge AI and automation to boost productivity and scale client impact. Over the last 25 years, we have helped clients transform how they work and today we are pushing the frontier further with generative and agentic AI. We foster a merit-based and innovation-driven culture that encourages creativity, continuous learning, and professional growth. Our hybrid working model provides international exposure and flexibility. Evalueserve has been recognized as a Great Place to Work® across four continents and ranks among the top 5% of global companies for diversity—alongside numerous awards across its solution lines. Recent Awards and Recognitions AIM Research 2025: Top 10 of the “20 Best Firms for Women in Tech” Forrester Wave 2024: Leader in Market & Competitive Intelligence Platforms Chartis Research 2024: Category Leader in Credit Portfolio Management Credit Strategy Lending Awards 2024: Winner, “Best Technology Partner” Banking Tech Awards 2024: Highly Commended, “Best LendTech” Follow Us Stay connected and learn more about life at Evalueserve: Follow us on LinkedIn for the latest updates and career opportunities. Discover how our leaders are driving innovation through AI-powered supply chain optimization solution built on Google Cloud. Know how Evalueserve climbed 16 places on the “50 Best Firms for Data Scientists in 2024.” Disclaimer : The following job description serves as an informative reference for the tasks you may be required to perform. However, it does not constitute an integral component of your employment agreement and is subject to periodic modifications to align with evolving circumstances. Please Note : We appreciate the accuracy and authenticity of the information you provide, as it plays a key role in your candidacy. As part of the Background Verification Process, we may verify your employment, education, and other details. Please ensure all information is factual and submitted on time. For any assistance, your recruiter is available to support you.