What makes Cognizant a unique place to work? The combination of rapid growth and an international and innovative environment! This is creating many opportunities for people like YOU — people with an entrepreneurial spirit who want to make a difference in this world. At Cognizant, together with your colleagues from all around the world, you will collaborate on creating solutions for the world's leading companies and help them become more flexible, more innovative, and successful. Moreover, this is your chance to be part of the success story. **Job Summary :** We’re seeking a commercially minded and delivery-focused Business Analyst to join our SME Credit Cards team. Reporting to the Service Owner, you’ll play a key role in improving the end-to-end business credit lifecycle, from application and approval to onboarding and servicing. You’ll analyse credit processes, identify root causes of operational and customer pain points, and develop practical, scalable solutions. Acting as the bridge between business and delivery teams, you’ll help shape improvements that enhance customer experience, strengthen risk controls, and lift operational efficiency. **Responsibilities:** • Analyse and map current-state SME credit processes, identifying gaps, inefficiencies, and improvement opportunities. • Collaborate with the Service Owner and key stakeholders to define future-state process designs that deliver customer, risk, and commercial benefits. • Document clear and concise business requirements, process flows, user stories, and change impact assessments. • Support enhancements across onboarding, approval, and servicing by aligning process improvements with product and policy goals. • Engage with cross-functional teams - including product, operations, risk, legal, and technology to ensure solutions are executable, sustainable, and aligned to regulatory requirements. • Produce documentation and artefacts to support implementation, training, and operational readiness. **Skills Required:** • Demonstrated experience as a Business Analyst in financial services, preferably within credit, business lending, or product optimisation. • Proficiency in process analysis and optimisation, including current/future state mapping, gap analysis, and workflow redesign. • Ability to conduct root cause analysis and identify systemic process issues with a focus on viable, low-risk solutions. • Strong documentation skills across business requirements, process documentation, and change impact summaries. • An operational mindset, with working knowledge of credit operations and process execution at scale. • Commercial and risk acumen - capable of assessing the business, financial, and compliance implications of change initiatives.• Confident and effective stakeholder engagement and influence across multiple business units. • A proactive, delivery-oriented approach - translating insights into action and navigating ambiguity to drive results. You'll receive an excellent salary and benefits package for your knowledge, expertise and flexibility. At Cognizant, taking care of employees is a priority: + You can pursue innovative career tracks and opportunities here + You can enhance your professional development through education and dedicated training + We’ll give you the skills you need to keep pace with the changing workplace while our compensation, benefits and wellness packages help you stay healthy and plan for the future. Please get in touch with our Cognizant team today to apply and register your interest in this full-time position. We're looking forward to meeting you. Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.