<p>Job Title: Credit Risk Business Analyst (Lending/Mortgage experience)</p> <p>Location: London</p> <p>Type of role: Permanent</p> <p>Get The Future You Want!</p> <p>Choosing Capgemini means choosing a company where you will be empowered to shape your career in the way you'd like, where you'll be supported and inspired by a collaborative community of colleagues around the world, and where you'll be able to reimagine what's possible. Join us and help the world's leading organizations unlock the value of technology and build a more sustainable, more inclusive world</p> <p>Your Role:</p> <p>The Business Analyst will play a critical role in documenting processes, defining the Target Operating Model (TOM), and ensuring seamless integration of policy, operations, technology, and data.</p> <p>Process Documentation & Mapping:</p> <ul> <li>Capture current state processes related to credit operations for HNW real estate financing products. </li><li>Define the future state processes, ensuring compliance with PRA Rulebook Article 124D. </li><li>Develop process maps to visualize workflows, dependencies, and bottlenecks. </li></ul> <p>Target Operating Model (TOM) Development</p> <ul> <li>Design the TOM covering policy, process, operations, technology, and data. </li><li>Identify gaps between current vs. future state and propose solutions. </li><li>Define Roles & responsibilities for key stakeholders in the new operating model. </li><li>Engage with credit risk Operations teams, Legal & Compliance teams, and technology partners. </li></ul> <p>Your Profile:</p> <ul> <li>Requires good understanding of credit risk lending practices for residential mortgage/prime/ luxury real estate markets. </li><li>Familiarity with valuation methodologies for Real estate properties in line with PRA regulations, particularly Article 124D. </li><li>TOM set-up for new Reporting workstream. </li></ul> <p>About Capgemini</p> <p>Capgemini is a global business and technology transformation partner, helping organizations to accelerate their dual transition to a digital and sustainable world while creating tangible impact for enterprises and society. It is a responsible and diverse group of 350,000 team members in more than 50 countries. With its strong over 55-year heritage, Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs. It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering, all fueled by its market-leading capabilities in AI, cloud, and data, combined with its deep industry expertise and partner ecosystem. The Group reported 2023 global revenues of €22.5 billion.</p>