Product Analyst / Product Owner – Banking / SME clients / Lending

Job DescriptionTremend is looking for a motivated and detail-oriented Product Analyst (or Business Analyst / Product Owner) to join our growing team and contribute to the successful delivery of digital financial services projects. The ideal candidate will bring strong experience in banking, SME customers, lending products, proficiency in tools and systems related to digital lending processes, combined with analytical thinking, solution design capability, and a solid understanding of Agile delivery frameworks. As a trusted consultant, you will support complex engagements focused on digital transformation and operational excellence for retail and commercial banking partners.Responsibilities:Lead SME banking product strategy engagement, including market analysis, competitive positioning, and go-to-market planning, if required by the clientPerform detailed gap analysis between the client s current capabilities and industry best practices, with quantified impact assessmentsPerform detailed analysis of existing banking system landscapes, including core banking, loan origination systems, risk platforms, and regulatory reporting toolsDesign target operating models for lending operations, including organizational design and capability requirements, and optimize end-to-end lending processes from origination through portfolio management and collectionsCollaborate with Product Managers and key stakeholders to gather, clarify, and document business requirements, user stories, and acceptance criteria.Facilitate requirements validation workshops and manage requirements change control throughout the engagement lifecycle, ensuring stakeholder alignment and project scope managementTranslate business needs into clear, structured, and testable functional and non-functional specifications.Create comprehensive business process models using industry-standard notations (BPMN, UML) for current-state and future-state lending operationsDesign integration requirements and interface specifications between banking systems, including data mapping and transformation rules.Analyze and document production issues, suggest remediations, and collaborate with development teams for resolution.Participate in solution design workshops, wireframing sessions, and architectural reviews, ensuring business requirements alignment with technical implementation approachesWork closely with development, QA, and DevOps teams to ensure timely and successful delivery of sprint deliverables. Conduct functional testing and user acceptance test (UAT) support.Assist in preparing RFPs, gap analyses, and evaluations for potential third-party platform acquisitions or partnerships.Contribute to continuous improvement by identifying risks, dependencies, and opportunities for product enhancement.Qualifications:5+ years’ experience as a Product Analyst / Business Analyst / Product Ownerin banking.3+ years of experience in SMEs commercial banking (product management/lending)Deep expertise in SME lending products, including term loans, asset-based lending, and working capital solutionsProven ability to bridge business and technical teams, translating complex business requirements into actionable technical specificationsExperience working in Agile Scrum environments, with tools like Jira, Confluence, GitLab, or similar.Proficiency in writing user stories, process flows, and functional specifications.Strong understanding of API architectures, microservices, and cloud-native banking solutionsFamiliarity with SQL/NoSQL databases, basic querying, and data validation.Strong communication, presentation, and stakeholder management skills across all organizational levels and cultural contextsFluency in English.Additional InformationBesides an exciting job in a tremendous team, here s what you can expect:A fast-paced tech environmentContinuous growth & learningOpen feedback cultureRoom for own initiative & ideasTransparency about results & strategyRecognition & reward for hard workWorking with a flexible schedule Medical subscriptionMeal ticketsExtra vacation days - starting with 25 vacation daysMany others perks Company DescriptionTremend is the newest global software engineering hub for Publicis Sapient. For over 20 years, the company has been infusing its advanced technical expertise into complex and innovative solutions that meet today s digital transformation needs and pave the way for a better and smarter future. By joining forces with Publicis Sapient we re accelerating the impact, providing a good mix of talented engineers, technology, continuous improvement, innovation, and R&D. Here, you ll have the opportunity to unleash your potential, powering up advanced software solutions for some of the world s most iconic brands. Embrace your passion for technology, creativity, and continuous improvement, and join us in making a difference through engineering.