Digital Lending Business Analyst (w/m/d) Domain Expert - Technology Consulting

Line of Service

Advisory

Industry/Sector

Technology

Specialism

Technology Strategy

Management Level

Senior Associate

Job Description & Summary

Are you ready to make a difference? PwC Austria, with around 1,500 people across 6 locations, is one of the country’s largest audit and consulting firms. Here, success means shaping the world of tomorrow. By engaging with leading organisations, we set new standards – and empower you to make an impact that goes far beyond PwC. Start your journey now.

We are looking for an IT Business Analyst with 5+ years of experience in Digital Lending Transformation projects at major European banks or financial institutions, to act as the functional-domain backbone of a delivery-led service offer focused on SME lending origination.

On a solid IT business-analysis foundation, this role puts domain depth first: the successful candidate bridges business needs and IT solutions, knows how SME lending origination actually works, and can turn regulatory and business requirements into concrete design. Beyond delivery, they co-author the offer's reusable assets and support business development. Client-facing pre-sales is done in support of the offer lead rather than owned end-to-end.

The candidate works closely with business stakeholders, developers, testers and project managers to ensure solutions meet business objectives and regulatory requirements.

Key responsibilities in our team

Domain & regulation

Own the SME origination domain: Be the reference point across application intake, KYC/onboarding, creditworthiness assessment, underwriting, decisioning, offer, disbursement and monitoring.

Translate regulation into design: Assess the impact of regulatory change (e.g. EBA Loan Origination & Monitoring guidelines) on lending systems and turn obligations into testable requirements, controls and target-state processes.

Co-author reusable assets: Build, with the offer lead, the capability reference model, the vendor-selection framework (scoring, RFI/RFP, TCO), the integration reference architecture and the governance & migration playbook.

Drive fit-gap and platform assessment: Assess origination platforms against a capability reference model and lead structured fit-gap analysis.

Support pre-sales: Contribute domain credibility to pitches, proposals and client workshops, in support of the offer lead.

IT business analysis & delivery

Gather, analyze and document functional and technical requirements related to lending products and processes.

Translate business needs into clear, structured documentation (Business Requirement Documents, User Stories, Use Cases).

Collaborate with development teams to ensure alignment between technical implementation and business goals.

Support functional testing and coordinate UAT (User Acceptance Testing).

Monitor project progress, identify issues and contribute to their resolution.

Requirements :

5+ years as an IT Business Analyst in Digital Lending Transformation projects.

Proven track record delivering complex IT projects in Financial Services (traditional banks, digital banks or fintech), ideally including a delivered SME (or commercial) lending origination transformation.

EBA LOM fluency — able to translate the guidelines into requirements and controls.

Familiarity with creditworthiness and affordability assessment in an origination context, enough to work with risk teams. Exposure to automated decisioning solutions (e.g. credit decision engines) is valued.

Process modeling tools and methodologies (BPMN, UML).

Project-management and ticketing tools (JIRA, Confluence).

Working experience with relational databases and SQL.

Comfortable navigating complex IT architectures; integration and data literacy (APIs, core-banking touchpoints, data flows for decisioning).

Familiarity with the origination platform providers landscape.

Strong analytical and problem-solving skills; comfortable structuring ambiguity and building from a blank page.

Effective communication and interpersonal abilities, credible in front of senior client stakeholders.

Able to work independently and collaboratively in cross-functional teams.

Proactive mindset with a focus on continuous improvement

You don’t meet all the listed requirements? No problem! Not every applicant has to fulfil all criteria — we are happy to invest in your abilities!

On a full‑time basis, we offer an entry salary for a Senior Associate from EUR 60.900 per year (all‑in). Depending on your qualifications and experience, we will agree your actual salary in a personal conversation. Do you have more to offer than the minimum? So do we. At our company your salary increases annually.

Any questions? Lorena Klein will be happy to answer them at +43 676 3132565 .

Different ways of thinking, experiences, education, needs and cultures are what make us who we are. Therefore we welcome applications regardless of gender, nationality, ethnic origin, religion or belief, disability, age, sexual orientation and identity. Do you need support with accessibility for your application or during the recruitment process? Please feel free to contact our Inclusion & Diversity contact person, Denise Pfneiszl , at any time.

Education (if blank, degree and/or field of study not specified)

Degrees/Field of Study required:

Degrees/Field of Study preferred:

Certifications (if blank, certifications not specified)

Required Skills

Optional Skills

Accepting Feedback, Accepting Feedback, Active Listening, Analytical Reasoning, Analytical Thinking, Application Software, Business Data Analytics, Business Management, Business Technology, Business Transformation, Communication, Creativity, Documentation Development, Embracing Change, Emotional Regulation, Empathy, Implementation Research, Implementation Support, Implementing Technology, Inclusion, Intellectual Curiosity, Learning Agility, Optimism, Performance Assessment, Performance Management Software {+ 16 more}

Desired Languages (If blank, desired languages not specified)

Travel Requirements

Not Specified

Available for Work Visa Sponsorship?

No

Government Clearance Required?

No

Job Posting End Date