Pontoon Solutions
Credit functional analyst - Loans
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Role: Credit Functional Analyst – Lending / Loans
Location: 100 Liverpool Street, London
Working Pattern: 2–3 days per week in the office
Contract: 6 months
The Lending Business Platforms team is looking for an experienced Functional Analyst to support a major transformation programme focused on digitising and automating the Front Office credit application process.
The existing process is largely manual and unstructured, including manual document uploads and processing of ancillary loan products. The successful candidate will work closely with the project manager and wider Loans team to help define, develop, test and ultimately oversee the new process and technology solution.
The programme is also aligned with a wider Global Credit Transformation programme, including the introduction of AI/agentic processing capabilities.
Key Responsibilities
The Functional Analyst will:
- Work alongside the TDM Project Manager and wider Loans team throughout the project lifecycle.
- Develop a strong understanding of the loan origination system, associated processes and the relevant project workstream.
- Analyse and document current-state and future-state credit and lending processes.
- Act as a key conduit between the Front Office, Credit, Technology and project teams.
- Gather, analyse and translate business requirements into clear functional requirements and deliverables.
- Support the digitisation and automation of the existing manual credit application process.
- Work through requirements relating to creditworthiness, default/exit processes and loan terms and conditions.
- Consider regulatory reporting requirements and ensure these are reflected within the solution.
- Read, interpret and contribute to process flow diagrams and other business/process documentation.
- Support the transition from requirements and development into testing and implementation.
- Work closely with stakeholders during the testing phase, helping to identify and resolve issues.
- Provide ongoing oversight of the process and solution once development has been completed.
- Ensure requirements and project documentation are maintained throughout the SDLC.
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Key Project Areas
The role will have particular focus across three core areas:
Creditworthiness
- Understanding how creditworthiness is assessed within the Front Office process.
- Supporting the digitisation and automation of associated decision-making processes.
Default / Exit
- Analysing processes around default, exit and related credit lifecycle activities.
- Translating business requirements into functional system requirements.
Loan Terms & Conditions
- Capturing and defining requirements relating to the terms and conditions of loans.
- Supporting the digitisation of the associated processes and documentation.
The role will also involve consideration of regulatory reporting requirements and alignment with the wider global credit transformation programme.
Required Experience & Skills
Essential
- Proven experience as a Functional Analyst / Business Analyst within a complex financial services environment.
- Strong understanding of lending and/or loans processes.
- Experience working on process automation, digitisation or transformation projects.
- Strong requirements gathering and functional analysis capability.
- Experience working across the SDLC.
- Experience working within an Agile methodology.
- Practical experience with Jira.
- Ability to understand and interpret process flow diagrams.
- Strong stakeholder management and communication skills.
- Ability to work effectively between business, technology and project stakeholders.
- Experience taking requirements through development, testing and implementation.
Desirable
- Direct experience within credit or credit application processes.
- Experience with loan origination systems.
- Experience with Confluence.
- Experience working within a consultancy environment.
- Exposure to AI, agentic processing or intelligent automation.
- Understanding of regulatory reporting within lending/credit.
- Experience within a global banking transformation programme.
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Ideal Candidate Profile
The ideal candidate will have a strong functional analysis background within lending/loans, although candidates with broader experience in process automation and transformation will also be considered. A consultancy background would be particularly valuable, as the role requires someone who is confident in:
- Communicating with senior and diverse stakeholders.
- Presenting complex information clearly.
- Challenging existing processes constructively.
- Working across business and technology teams.
- Taking ownership of requirements and driving workstreams forward.
- Operating effectively in an environment where requirements and ownership are evolving.
The successful candidate should be comfortable working in a front-office-driven environment, where business decisions and ownership sit predominantly with the Front Office.
To Apply
Please apply with an up-to-date CV.
Candidates will ideally show evidence of the above in their CV in order to be considered.
Please be advised if you haven't heard from us within 48 hours then unfortunately your application has not been successful on this occasion, we may however keep your details on file for any suitable future vacancies and contact you accordingly.
*Pontoon is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone’s chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive.
We use generative AI tools to support our candidate screening process. This helps us ensure a fair, consistent, and efficient experience for all applicants. Rest assured, all final decisions are made by our hiring team, and your application will be reviewed with care and attention.
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