Senior IT Business Analyst
KonstantinArutjunov
Bridging business and technology to create real value.
I help teams turn business needs into clear requirements and reliable digital solutions. I bring experience in banking, lending and software engineering.
- Based in Estonia
- Open to opportunities across Europe
Professional highlights
- Years in IT
- 10+
- From software engineering to banking analysis
- Started in business analysis
- 2019
- Creditstar Group and Luminor Group
- Loan processing
- ≈3 min
- Reduced from approximately 2 hours
- Core expertise
- Banking & FinTech
- Lending, credit risk and digital banking
Expertise
Skills & Technologies
From understanding business needs to designing practical solutions.
Explore case studiesFeatured projects
Selected Case Studies
Projects from my work in banking, lending and financial services.
Explore my experience
BankingIllustrative imageConsumer Loan Origination
Business and systems analysis to automate consumer loan processing at Luminor Group.Processing time reduced from approximately 2 hours to 3 minutes.View project details
The challenge
The consumer loan process involved approximately 2 hours of processing.
My contribution
Provided business and systems analysis for the design of an automated consumer loan process.
Context & limitations
- Outcome is self-reported in the LinkedIn profile; measurement method and period are not published.
FinTechIllustrative imageExternal Bank Statements
Requirements and API integration to collect external bank statements at Luminor Group.API-based collection of bank account statements from external banks.View project details
The challenge
Lending decisions required account statements from other banks.
My contribution
Defined requirements and supported API integration to collect account statements from other banks.
Context & limitations
- No quantified business outcome or delivery period is published.
InsuranceIllustrative imageInsurance Renewal Automation
Automated insurance renewal notifications supporting collateral coverage at Luminor Group.Collateral insurance coverage increased from approximately 65% to 90%.View project details
The challenge
Collateral insurance coverage was approximately 65%.
My contribution
Provided analysis for automated insurance renewal notifications.
Context & limitations
- Outcome is self-reported in the LinkedIn profile; measurement method and period are not published.
Professional journey
A Career Built on Business & Technology
Experience in software engineering, business analysis and financial services.
Present
Current positionRole highlightsSenior IT Business Analyst
Luminor Group · Tallinn, Estonia
Business and systems analysis for retail lending.
- Lead business and systems analysis for retail lending processes.
- Contributed to the design of an automated consumer loan process that reduced processing time from approximately 2 hours to 3 minutes.
- Defined requirements for credit-limit monitoring, credit risk and Early Warning systems.
- Supported automated insurance renewal notifications; collateral insurance coverage increased from approximately 65% to 90%.
- Defined requirements and integrations for collecting bank account statements from external banks through APIs.
- Collaborate with stakeholders, product owners, developers and QA throughout delivery.
Business AnalysisSystem AnalysisRequirements EngineeringLendingCredit RiskEarly Warning SystemsREST / SOAP APIsInsurance- Role highlights
IT Business Analyst
Creditstar Group AS · Tallinn, Estonia
Analysis and delivery support for web and mobile lending platforms.
- Analysed requirements for lending, credit risk and digital onboarding.
- Documented workflows and requirements with stakeholders, vendors and development teams.
- Supported SMS and phone verification during customer onboarding.
- Performed functional, integration and user acceptance testing.
Business AnalysisRequirements EngineeringStakeholder ManagementLendingDigital Onboarding & KYCFunctional TestingIntegration TestingUser Acceptance Testing - Role highlights
System Engineer
Kuehne + Nagel · Tallinn, Estonia
System analysis and third-line support for enterprise printing and document management.
- Analysed requirements and prepared Jira tasks and system specifications.
- Created XML / XSLT document models and supported a new document storage solution.
- Performed manual, load and performance testing.
- Investigated production issues and identified root causes.
System AnalysisRequirements EngineeringXML / XSLTFunctional TestingRoot Cause Analysis - Role highlights
Front-end developer (Internet Banking)
SEB · Tallinn, Estonia
Developed internet banking features and resolved production issues.
- Contributed to digital banking serving 600,000+ customers.
- Developed functionality with Progress ABL, JavaScript, CSS and XSLT.
- Implemented investment-product suitability interfaces, responses and results.
- Investigated and fixed production issues.
JavaScriptXML / XSLTDigital BankingRoot Cause Analysis - Role highlights
PHP Developer (Trainee)
Spin TEK AS · Tallinn, Estonia
Developed and tested software for the government sector.
- Developed features and fixed bugs using PHP, MySQL, JavaScript, HTML and CSS.
- Tested changes and used SVN and CVS for version control.
JavaScriptFunctional Testing
About me
More Than Just a Professional
I like making complex things clear. My engineering background helps me understand what people need, ask the right questions and turn ideas into practical solutions. I value clear communication, teamwork and seeing work through to delivery. Based in Estonia, I am open to opportunities across Europe.
My Approach
Understand the Business
I clarify business needs and turn them into clear requirements.
Analyse & Design
I turn requirements into clear, practical specifications.
Collaborate
I help business and technical teams work together through clear communication.
Deliver Real Value
I focus on quality, useful results and solutions that work reliably.
Let’s connect
Let’s Build Something
Great Together
Open to Senior IT Business Analyst opportunities across Europe.
Let’s talk about how my experience in banking, lending and technology can support your team.
- LinkedIn profile
- Connect on LinkedIn (opens in a new tab)
- Location
- Estonia
- Availability
- Open to opportunities across Europe