Sr. Business Analyst (SME - Credit Team)

TOM Bank has already transformed banking with Hadi!
If you’re saying, “I want to be part of the Dream Team of a fast-growing digital bank that’s reshaping finance and breaking conventions,” then TOM is waiting for your application!

As TOM Bank Hadi, we are Turkey’s first and largest digital retail bank, with a bold vision to become one of the top five fintech companies in Europe. Moreover, with a 4.8/5 app rating — which we see as the most important measure of our success: customer satisfaction — we have become one of the most admired banks in Europe.

With our Hadi app, we have reached 3.3 million banking customers in a short period of time. We are also proud to operate under the umbrella of Aydın Holding, a strong group that brings together leading brands. 

About the Department

Our Credit Engineering team is dedicated to designing, developing, and improving mission‑critical systems that power:

• Multi‑channel Loan Origination Processes
• Loan Product & Credit Campaign Management Platforms
• Loan Repayment & Installment Calculation Engines
• Financial Posting & Loan Accounting Systems
• Enterprise Architecture‑aligned Credit Services and Integrations

We are a high‑energy, tight‑knit team building the next generation of innovative financial products. As the engineering team, our mission is to keep the quality bar high across the board while delivering the best possible customer experience.

Role Overview

As a Sr. Business Analyst, you will shape the lending products and processes at the heart of our banking platform. You will collaborate closely with product managers, software engineers, and the risk, legal, compliance, operations, and finance teams to turn business needs into clear, compliant, and testable requirements.

Bringing deep lending expertise, you will play a key role in analyzing and designing end-to-end loan origination, funds utilization, and credit campaign management processes.

Required Qualifications

• 4–7 years of business analysis experience in banking, including at least 3 years in lending
• In-depth knowledge of the end-to-end loan lifecycle:
  • Loan application, origination, and underwriting
  • Credit scoring, limit assessment, and Credit Bureau (KKB) data
  • Pricing, credit campaigns, and payment plans
  • Disbursement (funds utilization), repayment, early closure, and restructuring
  • Delinquency management and collections
  • Loan posting and accounting
• Hands-on experience with consumer and SME lending (general-purpose, shopping, and overdraft loans)
• Solid understanding of lending regulations (BRSA/BDDK, CBRT/TCMB, and Consumer Protection Law No. 6502)
• Strong numerical skills to validate loan calculations (interest, installments, APR, KKDF/BSMV, and fees)
• Bachelor’s or Master’s degree in Engineering, Economics, Business Administration, or a related field
• Proven experience in eliciting requirements and writing BRDs, user stories, and acceptance criteria
• Experience modeling business processes with BPMN and UML
• Good command of SQL for data analysis and validation
• Understanding of APIs and integrations (REST, JSON, OpenAPI/Swagger) and tools such as Postman
• Experience preparing test scenarios and coordinating user acceptance testing (UAT)
• Experience working in Agile/Scrum teams with tools such as Jira and Confluence
• Strong analytical thinking and problem-solving skills
• Preferably experience with:
  • Digital lending journeys and partner integrations such as POS financing and buy now, pay later (BNPL)
  • Credit decision engines and scoring models
  • Loan accounting and IFRS 9 (TFRS 9) provisioning
  • Banking transformation and modernization projects
  • Microservice-based and event-driven system architectures
  • AI-assisted tools for analysis and documentation
  • Business analysis certifications such as IIBA CBAP/CCBA or PMI-PBA
• Passion for clear, structured, and well-documented analysis
• Proactive, open-minded, future-oriented mindset
• Excellent interpersonal, communication, and stakeholder management skills
• Eager to learn, self-driven, and results-oriented

At TOM, our working culture is fueled by our values — they are part of our DNA. 

As TOM, we are:

Customer Passionate – We aim for the heart of our customers 💜
Game Changers – We make a difference 🚀
Smart & Efficient – We work smart 🤝
Super Clear – We live with radical clarity 😎
Dream Team – We succeed through strong team spirit 🏅

Join us and let’s reshape the future of banking together!

To get to know us better, click here:
https://hadigeliyorhadi.com.tr/hadi-indir

You can also try Hadi and share your feedback with us at basvuru@tombank.com.tr.

If you want to be part of the team that is transforming banking, we look forward to your application.