Role Overview
We are seeking a 10+ year experienced Business Analyst (BUS) with strong domain expertise in Collections & Recovery to drive the CRWnp (Collections & Recovery Workbench – next phase) transformation initiative. This is a business-facing role focused on business transformation, business specification, and gap analysis — translating strategic business intent into actionable specifications that shape the future Collections & Recovery operating model.
Key Responsibilitie
s1. Business Transformatio
* nPartner with business stakeholders to shape the target operating model for Collections & Recovery (Pre-delinquency, Soft/Hard Collections, Legal Recovery, Post-write-off)
* .Drive process re-engineering and standardization aligned to CRWnp capabilities and regulatory expectations (KWG, GwG, BaFin guidance)
* .Identify and propose business value levers — cost-to-collect reduction, recovery rate uplift, customer experience improvement, and regulatory compliance
.2. Business Specification (Core
* )Author Business Requirement Documents (BRDs) and Business Specifications that clearly articulate business intent, scope, and outcomes
* .Translate strategic business needs into process-aligned use cases, user stories, and business rules
* .Define business KPIs and success criteria for each capability rollout
* .Ensure specifications cover the end-to-end Collections & Recovery lifecycle: Pre-delinquency, Collections (soft & hard), Recovery (legal / post-write-off)
.3. Gap Analysi
* sConduct As-Is vs. To-Be gap analysis across processes, data, and capabilities
* .Map business requirements to CRWnp solution capabilities and identify functional, process, data, and regulatory/compliance gaps
* .Recommend enhancement opportunities and prioritize based on business value and feasibility
.4. Process Documentatio
* nDocument As-Is and To-Be processes for Collections & Recovery
* .Create process models using Adonis, including process flows, decision points, and exception handling scenarios
* .Maintain process libraries and reference architecture for ongoing transformation
.5. Stakeholder Managemen
* tCollaborate with business stakeholders (Collections, Recovery, Risk, Compliance, Operations) and IT / Architecture / Delivery teams
* .Conduct requirement workshops bilingually in German and English, ensuring effective communication with German-speaking business users and global delivery teams
* .Act as the bridge between business and technology, ensuring shared understanding of transformation goals
.6. Data & Functional Detailin
* gDefine data requirements (DPD, customer, exposure, payments)
* .Define business rules (segmentation, prioritization, escalation, treatment strategy)
* .Support integration with core systems (loan, CRM, payment platforms)
.7. Testing & Validatio
* nSupport UAT definition and execution from a business perspective
* .Drive scenario validation for collections and recovery flows
* .Ensure requirements traceability (BRD → FSD → Test cases → Business outcomes)
.Mandatory Skill
* sGerman language proficiency (C1 or above) — Mandator
* y10+ years as a Business Analyst with deep Collections & Recovery domain expertis
* eProven experience in business transformation programs in banking / financial service
* sStrong skills in business specification writing, gap analysis, and process modeling (Adonis
* )Experience with regulatory frameworks relevant to Collections (KWG, GwG, BaFin
)Good-to-Have Skill
* sExposure to CRWnp or similar Collections workbench platform
* sFamiliarity with AI / automation use cases in Collections (predictive risk, treatment optimization
* )Agile / SAFe experienc
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