Act as the bridge between CI&T’s technical team and business areas (Credit, Risk, Products, Compliance, Collections, Legal, Customer Service and Operations)
Lead the mapping and validation of end-to-end credit origination flows, including simulation, proposal, analysis, formalization, contracting and post-sale/servicing
Detail and validate business rules related to eligibility, credit policies, interest calculation, CET (Total Effective Cost), credit scoring, guarantees/collateral, limits and renegotiation
Document functional and non-functional requirements, business rules (technical and functional) and acceptance criteria
Support backlog prioritization based on regulatory impact, risk mitigation, conversion improvement and profitability
Ensure compliance with applicable regulations (Central Bank of Brazil – BACEN, LGPD, internal regulations and credit policies)
Map customer journeys for credit products (Personal Loan, Payroll-deductible loan – Consignado, CDC/Installment Consumer Credit, Secured Loans and Renegotiation/Restructuring)
Validate test scenarios and support user acceptance testing (UAT) and approvals, ensuring implemented flows align with current policies
Ensure traceability between requirements, business rules, user stories and deliveries

Experience as a Business Analyst or Business Specialist on financial services projects, preferably with credit/loan products
Knowledge of credit origination processes, risk policies and financial calculations (interest, amortization, CET)
Experience in requirements elicitation and documentation (interviews, workshops, user story mapping)
Experience validating complex business rules and transactional flows
Familiarity with agile methodologies and tools such as JIRA, Confluence or similar
Basic knowledge of credit-related regulations (BACEN, LGPD)

Health and dental insurance
Meal and food allowance
Childcare assistance
Extended parental leave
Partnerships with gyms and health & wellness professionals via Wellhub (Gympass) TotalPass
Profit sharing (PLR)
Life insurance
Continuous learning platform (CI&T University)
Employee discount club
Free online platform dedicated to physical and mental health and wellbeing
Prenatal and responsible parenthood course
Partnerships with online course platforms
Language learning platform
And many others

Senior Business Analyst – Focus on Banking Loans

Key skills