Business Analyst Credit Security

In this role, you will provide technical support to the Squad Owner (Product Owner) throughout the entire product lifecycle

• from conception and implementation to discontinuation. The focus is on products and services in the area of ​​loan collateral, a key topic for risk minimization in the lending business. Your responsibilities include: - Technical support throughout the product lifecycle: You will support the Squad Owner with all technical questions related to loan collateral and ensure that regulatory, technical, and market requirements are met. - Requirements management and stakeholder coordination: You will work closely with customers, partner companies, associations, and other stakeholders. This involves gathering requirements, structuring them, defining their content, and validating their feasibility. - User stories and backlog management: You will support the creation, maintenance, and prioritization of user stories and actively contribute to backlog refinement. - Product strategy and roadmap: Together with the Product Owner, you will develop a customer-centric vision, derive a coordinated roadmap, and plan releases in line with the company strategy. - Market and competitive analysis: You continuously monitor market trends and innovations in the field of loan collateral and evaluate them with regard to the competitiveness of the products. Technical context: Loan collateral. You work in a complex field that extends far beyond classic collateral such as real estate or guarantees. This includes in particular: Types of loan collateral: - Personal guarantees (sureties, guarantees, debt assumptions), - Real security: Land charges (e.g., land charge, mortgage), movable security (e.g., security transfer of ownership, liens), assignment of receivables (e.g., salary, insurance, factoring) - Standard bank collateral: Securities, deposits, receivables from banks Legal framework - Security agreements and clauses - Principles such as accessory nature - Structuring legally sound agreements Valuation & Management - Determination of loan-to-value ratios - Ongoing collateral management (monitoring, valuation, approvals) - Handling over-collateralization Process integration - Creditworthiness assessment as the primary decision factor - Realization of collateral in the event of default - Integration of support instruments (e.g., indemnification) Purpose of the role Your goal is to ensure the professional quality and marketability of products in the area of ​​loan collateral, to translate requirements precisely into implementable solutions, and thus actively contribute to risk minimization and contribute to added value in the lending business.