Business Systems Analyst

CanCap Group Inc. (“CCMI”) is an evolving, dynamic national financial services company with head office located in downtown Toronto. CCMI’s current core business is indirect and third-party originations and servicing of auto and consumer loan receivables, which has been built on a foundation of best-in-class people and processes. It manages the entire lifecycle of the receivable from credit adjudication through to contract administration, customer service, default management and post charge-off recoveries.

What the role looks like

The Business Systems Analyst is an accountable delivery contributor who works closely with technology partners, business stakeholders, and external vendors to translate complex business needs into effective technology solutions. At this level, you own end-to-end delivery for your assigned workstreams; driving requirements, coordinating across partners, and seeing initiatives through from discovery to production.

Core Mandate

• Diagnose and define core business challenges: Proactively elicit, document, and translate complex business needs into precise functional specifications, ensuring a clear understanding of the underlying problems to be solved.
• Identify and optimize inefficient processes: Analyze existing business processes to identify bottlenecks and areas for improvement, then design and advocate for solutions that deliver operational efficiency.
• Decipher complex business logic: Interpret business rules and processes to identify potential issues and inform solution design.
• Mitigate solution discrepancies: Critically evaluate vendor solution documents, performing thorough traceability against initial requirements to identify gaps or misalignments. Coordinate with vendor partners on solution iteration, driving alignment and securing stakeholder consensus on corrective actions.
• Vendor & partner coordination: Coordinate with vendors and third-party partners on assigned initiatives. Track open items, facilitate solution iteration discussions, and escalate misalignments to the Product Manager. Maintain a clear record of commitments and follow through to ensure external partners meet delivery expectations.
• Validate solution effectiveness: Own UAT coordination for assigned initiatives. Develop and execute comprehensive test plans, manage defect triage, track readiness across delivery teams, and support sign-off activities. Ensure systems meet end-user criteria and flag deficiencies before production deployment.
• Bridge the gap between requirements and validation: Guide testing teams in transforming requirements and use cases into precise test conditions and expected results for all testing phases (product, performance, user acceptance, operational acceptance), occasionally conducting full end-to-end testing to confirm problem resolution.
• Anticipate and resolve project roadblocks: Own delivery progress for assigned initiatives. Accurately scope efforts, estimate timelines, and proactively identify and mitigate dependencies and blockers. Drive resolution and communicate status clearly to stakeholders; ensuring your workstreams stay on track and commitments are met.
• Enhance solution development methodologies: Drive improvements in requirement documentation, testing frameworks, and enhancement intake processes by establishing and implementing best practices and templates to prevent future issues.
• Ensure seamless solution deployment: Coordinate effectively with Product, Engineering, and Operations teams to ensure the smooth and problem-free deployment of new solutions into production environments.

Required Qualifications:

• Educational:
  • Bachelor's degree in Business Administration, Computer Science, Engineering, Information Technology, or a related field.
  • Consideration for equivalent practical experience combined with relevant certifications.
• Problem-Solving & Analytical Acumen:
  • 2–5 years of experience in a Business Analyst or similar role, with demonstrated ability to identify, analyze, and solve complex business and technical problems. The depth and independence expected will be assessed through the interview process.
  • Demonstrated ability to think critically, identify root causes, and propose innovative and practical solutions.
  • Proven experience in breaking down complex problems into manageable components.
• Communication & Stakeholder Engagement:
  • Exceptional verbal and written communication skills, with the ability to articulate complex technical concepts to non-technical stakeholders and vice versa.
  • Proven ability to facilitate discussions, negotiate, build consensus, and drive stakeholder alignment. Comfortable facilitating decision-making when competing priorities arise, and skilled at influencing stakeholders at all levels.
• AI Fluency & Continuous Learning:
  • Comfortable working within CanCap’s AI-Development Life Cycle (AI-DLC) delivery model, which uses AI tools to accelerate requirements decomposition, documentation, and solution design. Open to engage with AI-assisted workflows as a core part of how the team delivers.
  • Demonstrated commitment to continuous learning; proactively builds skills in emerging tools, technologies, and domain knowledge relevant to consumer and auto lending.
• Requirements Management & Documentation:
  • Expertise in various requirements elicitation techniques (e.g., interviews, workshops, surveys, observation).
  • Highly proficient in translating abstract business needs into clear, concise, and actionable functional and non-functional specifications, user stories, and use cases.
  • Experience with requirements management tools (e.g., JIRA, Confluence, or similar).
• Process Improvement & Mapping:
  • Solid understanding of business process modeling and experience in mapping, analyzing, and optimizing business workflows.
  • Ability to identify process inefficiencies and recommend impactful improvements.
• Solution Evaluation & Validation:
  • Experience in reviewing solution design documents, performing traceability analysis, and ensuring alignment with initial requirements.
  • Familiarity with test planning and execution (UAT, SIT, Regression); hands-on experience is an asset.
• Technical Aptitude:
  • Solid understanding of software development lifecycles and agile methodologies.
  • Familiarity with database concepts and querying (e.g., SQL) is an asset.
  • Ability to grasp new technologies and systems quickly.
• Project Contribution & Methodologies:
  • Experience contributing to project planning, scoping, effort estimation, and identifying dependencies.
  • Familiarity with project management principles and methodologies (e.g., Agile, Scrum, Waterfall).
  • Thrives in dynamic, evolving environments where ambiguity is part of the work and priorities shift with business needs.

Nice to Have

• Experience in consumer or auto lending, financial services, or a similarly regulated environment. Familiarity with concepts such as loan origination, credit adjudication, collections, or servicing is a meaningful differentiator.
• Exposure to fintech platforms, loan management systems, or payment processing workflows.

What you can expect from us

Our Employee Experience is aimed at supporting and inspiring our talented team through:

• A passionate team dedicated to the support and empowerment of others
• An environment where creative, innovative thinking is encouraged
• Health and dental coverage for you and your family
• Time off to re-energize, including personal days
• Opportunities to grow and advance within our four business verticals

Next Steps

Adding to our team is one of the important steps that happens in our business. We’ve taken time to be purposeful and thoughtful with this job posting. Please take time to do the same with your application. Help us understand how you see your work experience as relatable to this job posting.

CanCap is an equal opportunity employer and values diversity. We are committed to building and evolving a team reflecting a variety of backgrounds, perspectives, and skills.

Thank you to all interested applicants. Only candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.