You will be the business analysis lead for credit‑risk change and BAU improvements across the German Residential Mortgages portfolio. * Elicit, challenge, and document business and data requirements for the intensified and problem loan management phase of the customer lifecycle (including post-origination monitoring, arrears/forbearance, default, workout, and recoveries). * Convert business needs into clear user stories and acceptance criteria. * Analyse business processes and management information to identify gaps and recommend pragmatic improvements. * Support user acceptance testing and successful implementation of business changes * Ensure clear and complete business requirements and traceability for mortgage risk change initiatives. * Build and maintain effective relationships with key business areas such as Product, Underwriting, Collections & Recoveries, Finance, Legal, and Compliance.
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