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Consulting Manager – Commercial Lending Business Analyst (ACBS)

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Consulting Manager – Commercial Lending Business Analyst (ACBS)

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 Consulting Manager – Commercial Lending Business Analyst, you will make an impact by bridging business and technology teams to deliver transformative commercial lending solutions. Leveraging your expertise in ACBS and commercial lending product configurations, you will work closely with business stakeholders, product owners, and technology teams to define business requirements, optimize processes, and support the successful delivery of lending platforms and servicing solutions.

You will be a valued member of the Cognizant Consulting team and work collaboratively with client stakeholders, delivery teams, and business leaders to drive lending transformation initiatives.

In this role, you will:

  • Lead requirements gathering workshops and stakeholder discussions to elicit, analyze, and document business, functional, and non-functional requirements.
  • Translate complex business needs into detailed user stories, process flows, business rules, use cases, and acceptance criteria.
  • Analyze current-state and future-state processes across commercial lending and loan servicing operations, identifying opportunities for improvement.
  • Provide subject matter expertise in ACBS, including lending product configurations, workflows, servicing processes, and system capabilities.
  • Partner with business, technology, and implementation teams to ensure requirements are clearly understood, prioritized, and delivered successfully.

Work Model

We believe hybrid work is the way forward as we strive to provide flexibility wherever possible. Based on this role’s business requirements, this is a hybrid position requiring 3 days per week in a client or Cognizant office in New Jersey, USA.

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

  • Extensive experience working with ACBS (Advanced Commercial Banking System).
  • Deep expertise in requirements gathering, business analysis, and user story development.
  • Strong experience with commercial lending product configurations and loan lifecycle processes.
  • Proven experience documenting business requirements, process maps, workflows, use cases, and functional specifications.
  • Experience working within Agile delivery frameworks and collaborating with cross-functional teams.
  • Strong communication, stakeholder management, and facilitation skills.
  • Bachelor's degree or equivalent professional experience.

These Will Help You Succeed

  • Experience supporting commercial lending transformation or modernization initiatives.
  • Knowledge of loan servicing, credit operations, syndicated lending, or related banking domains.
  • Experience working with large financial institutions and enterprise technology implementations.
  • Strong analytical and problem-solving abilities.
  • Ability to influence stakeholders and drive consensus across business and technology teams.

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.

Compensation

The annual salary for this position is $110,000 – $129,000 USD, depending on experience, qualifications, and other factors permitted by law.

Benefits

Cognizant offers the following benefits for this position, subject to applicable eligibility requirements:

  • Medical, Dental, Vision, and Life Insurance
  • Paid holidays and Paid Time Off (PTO)
  • 401(k) plan with company contributions (where applicable)
  • Employee assistance and wellbeing programs
  • Professional development and training opportunities
  • Employee discounts and recognition programs

Post Closing Date

Applications will be accepted until the position is filled or otherwise closed by Cognizant based on business needs.

About Cognizant: 
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.

Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.

Benefits that help you thrive and grow

Our benefits program is built with you in mind—so you can enjoy a fulfilling, balanced and healthy life.

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Financial wellbeing

We regularly review market data to ensure compensation reflects the value you bring. Your benefits extend beyond pay and may include retirement plans, financial education, etc.

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Physical and mental health

We empower you to prioritize your wellbeing through paid time off, flexible working where possible, healthcare plans, counselling, our Mental Health Allyship program and more. 

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Your career, your way

With 350,000+ roles at Cognizant, you’ll have opportunities explore new technologies, industries and locations—and build the skills you need to grow your career.

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Real-world impact

Think about the biggest brands you rely on. Chances are, they rely on us to help strengthen their business. Here, you’ll turn bold ideas into solutions that improve lives everywhere.

Your path to Cognizant

Here’s what you can expect from our hiring process. Please keep in mind that it may vary by role and location. Explore our FAQs to learn more.

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Step 1: Apply to the right opportunity

Find an open role that matches your skills and career goals and show us why you’re the person for the job. Don’t see the right opportunity? Consider joining our Talent Community.

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Step 2: Connect with your recruiter

If one of our recruiters sees a fit, they’ll set up a short intro call to learn more about you and how your experiences and skills match the role.

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Step 3: Show off your skills

If you and our team would like to continue the process, you’ll interview with our hiring team. Some roles may also require technical assessments and/or client interviews.

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Step 4: Decision time

Our team will then review each candidates’ potential to succeed in the role. This step may take some time because we want to find the right fit for both you and us—but you can count on us to keep you updated.

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What I value most about working at Cognizant is the opportunity to innovate while delivering real business impact. My role allows me to combine strategy, technology, and collaboration across global teams, which makes every project meaningful. The support for continuous learning and innovation has been instrumental in my growth.
Beata Ogorzala Senior Event Manager
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Cognizant has one of the best learning ecosystems you can ask for. From sponsored certifications to training platforms to mentorship, we have all that we need to grow.
Debashish Mishra SAP MM Developer
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Cognizant offers me more than a job; it offers a community. We support each other, collaborate across borders and celebrate wins together. If you’re looking for a culture that values flexibility, diversity and growth, this is the place to be.
Laura Reynaud Lead Counsel
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When I first joined, I was quiet and hesitant to share my thoughts. The leadership programs and the mentoring I’ve received have helped me find my voice and grow as a leader.
Sujatha Gopalakrishnan Portfolio Delivery Lead
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I’ve had the chance to work on impactful projects and shadow colleagues, all while getting involved in internal initiatives. The world is your oyster at Cognizant—you just need to take advantage of it!
Lucas Hoffman Consultant

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