Senior Consultant, Business Lending, Amsterdam, Amsterdam, Netherlands

Over Cognizant Consulting

Cognizant Consulting is de advies afdeling van Cognizant én een wereldwijde community van ruim 5.000 professionals. Samen helpen we organisaties om complexe vraagstukken te vertalen naar duurzame verandering. We combineren diepgaande sectorkennis met technologie-expertise en werken voor toonaangevende organisaties. Voor ons team zoeken we een nieuwe collega die met inhoud, nieuwsgierigheid en een praktische blik wil bijdragen aan de toekomst van zakelijke dienstverlening.

Over de functie

Als Senior Consultant Zakelijke Kredietverlening help je banken en andere financiële instellingen hun kredietverlening slimmer, beheersbaarder en toekomstbestendiger in te richten. Je leidt afgebakende analyse- en realisatiewerkzaamheden, vertaalt bedrijfsbehoeften naar werkbare oplossingen voor processen, data en technologie en bouwt aan duurzame klantrelaties. Je maakt deel uit van het BFS Consulting-team en werkt nauw samen met collega’s, klanten en technologiepartners.

Wat je gaat doen

• Je neemt eigenaarschap over afgebakende analyse- en realisatiewerkzaamheden. Daarbij bewaak je planning, afhankelijkheden, risico’s, kwaliteit en tijdige oplevering. Je voert onder meer verkenningen en huidige-situatieanalyses uit, ontwerpt doelprocessen, stelt requirements op en ondersteunt testen en implementatievoorbereiding.

• Je adviseert klanten over mkb- en zakelijke leningen, kredietfaciliteiten, leasing, handelsfinanciering en garanties. Je analyseert en verbetert processen voor onboarding, KYC, kredietbeoordeling, structurering, goedkeuring, documentatie, zekerheden, monitoring en bijzonder beheer en incasso.

• Je vertaalt organisatiedoelstellingen naar heldere eisen voor processen, data, beheersmaatregelen en technologie. Dat doe je binnen onder meer kredietverstrekking en -beheer, kredietworkflows, CRM, besluitvorming en dataplatforms. Je definieert vereisten voor klant- en tegenpartijgegevens, financiële gegevens, faciliteiten, limieten, zekerheden, convenanten en risicoclassificaties.

• Je draagt bij aan transformaties van zakelijke kredietverlening. Je vertaalt kredietbeleid en eisen aan het operating model naar configureerbare workflows, user stories, acceptatiecriteria, integratievereisten en uitvoerbare procesontwerpen. Je ondersteunt implementaties vanaf de eerste verkenning en fit-to-standard-analyse tot en met testen, training, ingebruikname en adoptie.

• Je past je kennis van de Nederlandse en Europese context toe, waaronder de praktijk van mkb- en zakelijke kredietverlening en relevante prudentiële verwachtingen. Daarnaast werk je mee aan voorstellen, klantpresentaties, herbruikbare oplossingen en inhoudelijke publicaties.

Hybride werken

Bij Cognizant vinden we flexibiliteit belangrijk, voor zover de werkzaamheden en klantafspraken dat toelaten. Voor deze functie werk je doorgaans twee tot drie dagen per week op locatie bij een klant of vanuit ons kantoor in Amsterdam. Daarnaast bieden onze welzijnsprogramma’s ondersteuning bij een gezonde balans tussen werk en privé.

Deze werkafspraken gelden op de publicatiedatum en kunnen veranderen afhankelijk van het project en de behoeften van Cognizant en de klant. We maken de verwachtingen vooraf steeds duidelijk en bespreken eventuele wijzigingen tijdig.

Wat je meebrengt

• Relevante ervaring in zakelijke kredietverlening, businessanalyse en/of transformatie, waarbij je verantwoordelijk was voor complexe analyses en de afstemming met verschillende stakeholders.

• Ervaring met end-to-end businessanalyse en het vermogen om, onafhankelijk van een specifieke technologie, capabilities, gevolgen voor de architectuur, integraties, beheersmaatregelen en niet-functionele eisen te beoordelen.

• Kennis van mkb- en zakelijke kredietproducten en van de bijbehorende processen, zoals onboarding, KYC, kredietbeoordeling, structurering, prijsstelling, goedkeuring, documentatie, zekerheden, monitoring, convenanten, herstel en incasso.

• Sterke advies-, analyse-, workshop-, presentatie- en stakeholdermanagement-vaardigheden, en het vermogen om bedrijfsprocessen te verbinden met datavereisten.

• Mondelinge en schriftelijke beheersing van het Engels, aangevuld met een relevante bachelor- of masteropleiding of vergelijkbare werkervaring.

Een pluspunt is

• Praktische functionele ervaring met Commercial- Banking of - Lending.

• Het vermogen om de fit-to-standard-mogelijkheden te beoordelen en kredietbeleid te vertalen naar configureerbare workflows, rollen, goedkeuringen, datavelden, bedrijfsregels, rapportages en beheersmaatregelen.

• Inzicht in benodigde integraties en data-afhankelijkheden met met corebanking systemen, CRM, kredietbureaus, AML/KYB-screening, elektronische ondertekening, documentbeheer, zekerhedenadministratie, finance en rapportage.

• Het vermogen om draagvlak te creëren in een omgeving waarin samenwerking en zorgvuldige besluitvorming centraal staan. Je bent bereid te reizen en combineert klantgerichtheid met een analytische en resultaatgerichte aanpak, met oog voor verantwoorde innovatie en kwaliteit.

Herken je jezelf in een groot deel van dit profiel, maar niet in ieder punt? Dan nodigen we je van harte uit om te solliciteren. We zijn benieuwd naar de ervaring en vaardigheden die jij meebrengt en naar de waarde die je vanuit jouw achtergrond aan ons team en onze klanten kunt toevoegen.

About Cognizant Consulting

Cognizant Consulting is more than Cognizant's consulting practice, we're a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending our deep industry and technology advisory capability, we create innovative business solutions for Fortune 500 clients. And now, we're looking for our next colleague who'll join us in shaping the future of business. Could it be you?

About the role

As a Senior Consultant, Business Lending, you will make an impact by supporting and leading defined analysis and delivery activities within business lending consulting engagements, translating business needs into practical process, data and technology requirements while building trusted client relationships. You will be a valued member of the Banking & Financial Services (BFS) Consulting team and work collaboratively with our ecosystem of clients, alliances, start-ups and design agencies, and clients.

In this role, you will

• Own defined analysis and delivery activities, including plans, dependencies, risks, quality and the timely completion of outputs, conducting discovery, current-state assessment, target-process design, requirements definition, testing support and implementation-readiness activities.

• Advise clients across SME and commercial loans, facilities, leasing, trade finance and guarantees, and assess and improve processes covering onboarding, KYC, credit assessment, structuring, approval, documentation, collateral, monitoring and collections.

• Translate objectives into process, data, control and technology requirements across loan origination and servicing, credit workflow, CRM, decisioning and data platforms, and define data requirements and controls covering counterparty, financial statement, facility, limit, collateral, covenant and risk-rating data.

• Contribute to nCino-enabled business lending transformation by translating lending policies and operating-model requirements into configurable workflows, user stories, acceptance criteria, integration requirements and implementation-ready process designs, and support nCino implementation activities across discovery, fit-to-standard assessment, process harmonisation, configuration validation, data mapping, integration, testing, training, deployment and business adoption.

• Apply Netherlands and EU context, including Dutch SME and corporate banking and European prudential expectations, and contribute to proposals, client presentations, reusable assets and thought leadership.

Work model

At Cognizant, we strive to provide flexibility wherever possible. Based on this role's business requirements, this is a hybrid position requiring 2-3 days a week in a client or Cognizant office in Amsterdam, Netherlands. Regardless of your working arrangement, we are here to support a healthy work-life balance through our various wellbeing programs.

The working arrangements for this role are accurate as of the date of posting. This may change based on the project you're engaged in, as well as business and client requirements. Rest assured; we will always be clear about role expectations.

What you must have to be considered

• Strong relevant experience in business lending, banking or financial-services consulting, IT business analysis or transformation delivery, with demonstrated ownership of complex analysis, deliverables and stakeholder coordination.

• End-to-end IT business analysis skills covering problem framing, elicitation, process modelling, user stories, acceptance criteria, traceability, testing and business readiness, with a technology-agnostic ability to assess capabilities, architecture implications, integrations, controls and non-functional requirements.

• Knowledge of SME and commercial lending products, including term loans, revolving facilities, overdrafts, leasing, asset-based finance, trade finance and guarantees, and the associated onboarding, KYC, credit assessment, structuring, pricing, approval, documentation, collateral, monitoring, covenants, remediation and collections processes.

• Strong consulting, structured problem-solving, workshop facilitation, storytelling and stakeholder-management skills, with the ability to connect business processes with data ownership, quality, lineage, privacy, reporting and migration requirements.

• Excellent written and spoken English is mandatory, together with a bachelor or master degree in business, finance, economics, technology or a related discipline, or equivalent professional experience.

These will help you succeed

• Hands-on functional experience with nCino Commercial Banking or Commercial Lending implementations across SME, mid-market, corporate or institutional lending environments, including capabilities spanning customer onboarding, commercial loan origination, underwriting, credit analysis, document management and portfolio management.

• Ability to assess nCino fit-to-standard capabilities and map business-lending policies to configurable workflows, roles, approvals, data fields, business rules, reports and controls while limiting unnecessary customisation, including awareness of the underlying Salesforce platform's security and access models, data structures, workflow, configuration and integration concepts (hands-on development is not required).

• Understanding of nCino integration and data dependencies across core banking, CRM, credit bureaus, AML/KYB screening, e-signature, document management, collateral, finance and reporting platforms, together with implementation considerations covering data migration, data quality, testing, release readiness, training, change management, operational adoption and post-go-live support.

• Dutch language capability and experience with Dutch or Benelux financial-services organisations, including knowledge of the Dutch supervisory landscape and relevant EU regulation for the subdomain.

• Ability to build alignment in a Dutch consensus-oriented environment through fact-based recommendations and pragmatic delivery, with comfort working in hybrid international teams travelling to client locations in the Netherlands and Benelux, and a client-focused, analytical and outcome-oriented approach committed to responsible innovation and high-quality delivery.

We're excited to meet people who share our mission and can make an impact in a variety of ways. Don't hesitate to apply, even if you only meet the minimum requirements listed. Think about your transferable experiences and unique skills that make you stand out as someone who can bring new and exciting things to this role.

Sobre a Cognizant
Cognizant (NASDAQ: CTSH) é uma construtora de IA e fornecedora de serviços de tecnologia, criando a ponte entre o investimento em IA e o valor para as empresas por meio do desenvolvimento de soluções de IA completas para nossos clientes. Nossa profunda experiência em setores, processos e engenharia nos permite incorporar o contexto único de cada organização em sistemas tecnológicos que potencializam a capacidade humana, geram resultados tangíveis e mantêm empresas globais à frente em um mundo em rápida transformação. Saiba mais em cognizant.ai ou @cognizant.

A Cognizant é uma empregadora que investe em equidade. Sua candidatura não será pautada em raça, cor, gênero, sexualidade, credo, origem, deficiência, gravidez ou qualquer outra característica protegida pelas leis brasileiras.

Informações adicionais de emprego
Os candidatos podem ser obrigados a comparecer a entrevistas presenciais ou por videoconferência. Além disso, os candidatos podem ser obrigados a apresentar seu documento de identificação emitido pelo estado ou governo atual durante cada entrevista.

Embora nosso sistema permita a candidatura em todos os idiomas, o(s) idioma(s) e o(s) nível(is) de proficiência exigidos para o trabalho variam. No entanto, é necessário um nível básico de inglês para fins de comunicação em toda a empresa.

Se você tem uma deficiência que requer adaptações razoáveis para procurar uma vaga de emprego ou enviar uma candidatura, envie um e-mail para [email protected] com sua solicitação e informações de contato.