Position
Business Analyst – Gold Loan
Experience
4–8 years (minimum 2–3 years in Gold Loan or Secured Lending)
Location
As per company requirement
Role Summary
We are looking for a Business Analyst with hands-on experience in the Gold Loan business to bridge business and technology teams. The candidate will be responsible for gathering business requirements, preparing functional specifications, supporting product development, and ensuring successful implementation of digital and branch-based Gold Loan solutions.
Key Responsibilities
- Gather and document business requirements from stakeholders.
- Prepare Business Requirement Documents (BRD), Functional Requirement Documents (FRD), user stories, and process flows.
- Analyze existing Gold Loan processes and recommend improvements.
- Work closely with Product, Technology, Operations, QA, and Business teams.
- Support UAT, defect management, and production rollout.
- Coordinate with vendors and third-party integration partners.
- Ensure compliance with regulatory and business requirements.
Required Domain Knowledge
- End-to-end Gold Loan lifecycle:
- Customer onboarding (KYC)
- Gold appraisal and valuation
- Loan origination
- LTV calculations
- Interest and repayment management
- Renewals, part payments, and closures
- Auction and recovery process
- RBI guidelines applicable to Gold Loans
- LOS/LMS and digital lending platforms
- Branch operations and workflow
Required Skills
- Strong requirement gathering and stakeholder management
- BRD, FRD, User Stories, Use Cases
- Process mapping (Visio, BPMN, Draw.io)
- SQL for data validation (preferred)
- UAT planning and execution
- Agile/Scrum methodology
- Excellent communication and documentation skills
Preferred Qualifications
- MBA / B.E. / B.Tech / MCA or equivalent
- Experience with NBFC or Banking Gold Loan products
- Exposure to mobile or web-based lending applications
Preferred Experience
Experience working with leading Gold Loan institutions such as:
- Muthoot Finance
- Manappuram Finance
- IIFL Finance
- HDFC Bank
- ICICI Bank
- Federal Bank
- Other NBFCs or banks offering Gold Loan products.
Success Criteria
- Ability to independently drive requirement gathering and documentation.
- Strong understanding of Gold Loan business processes.
- Ability to work effectively with business users, technology teams, and external vendors.
- Deliver high-quality documentation and support timely project execution.
Pay: ₹900,000.00 - ₹1,400,000.00 per year
Work Location: In person
