Senior Business Analyst Digital Wallets

Job Purpose

The Business Analyst translates du Pays commercial and product initiatives into clear user-centric technically feasible and compliant requirements. The role bridges Commercial/P&L Owners Product Technology Solution Architecture UI/UX Operations Compliance Risk Customer Support QA and external partners to deliver scalable fintech solutions and seamless customer journeys.

The role requires strong Business Analysis Stakeholder Management and end-to-end delivery capability across Agile Waterfall and Hybrid methodologies.

Key Responsibilities

Business Analysis & Delivery

• Elicit analyze prioritize document and validate functional and non-functional requirements through workshops interviews discovery sessions and stakeholder discussions.
• Produce appropriate BA artefacts including BRD FRD/FSD epics user stories acceptance criteria use cases business rules RTM process flows data/reporting requirements and interface/integration requirements.
• Perform As-Is/To-Be gap analysis impact analysis and process analysis.
• Work across Agile/Scrum/Kanban Waterfall and Hybrid environments adapting documentation and governance to the delivery model.
• Support backlog refinement sprint planning requirements baselining/sign-off traceability change control testing UAT release and implementation.
• Maintain end-to-end requirements traceability from business need through solution design development testing and implementation.

Stakeholder Management

• Manage stakeholders across Commercial Product Technology Architecture Engineering UI/UX Operations Compliance Risk Fraud Customer Support QA and external partners/vendors.
• Facilitate workshops requirement walkthroughs solution discussions validation and approvals.
• Translate business needs into actionable technical requirements and technical constraints into clear business impacts.
• Manage conflicting requirements priorities expectations dependencies risks scope changes and stakeholder sign-offs.
• Build consensus and influence cross-functional stakeholders without direct authority.

Customer Journey Process & Technology

• Define requirements for mobile/web channels customer journeys operational workflows reporting and third-party integrations.
• Collaborate with UI/UX on personas usability Figma/designs validations error handling accessibility business rules happy paths and edge/exception scenarios.
• Design and maintain BPMN 2.0 end-to-end processes including happy paths exceptions reversals and failure scenarios within the Central Business Process Repository.
• Work with Solution Architects on APIs microservices platforms integrations security performance and scalability requirements.
• Analyze processor payment scheme network partner and API documentation and convert it into business-ready requirements and process flows.

FinTech Payments & Compliance

• Define requirements covering wallets ledgers balances transaction lifecycles physical/virtual card issuance card processing four-party card model payments reversals refunds reconciliation and disputes.
• Support customer lifecycle journeys including onboarding KYC/KYC refresh limits account servicing and customer support.
• Incorporate CBUAE/SVF AML/CFT Consumer Protection Data Localization Fraud Dispute Management PCI-DSS security and data protection requirements in collaboration with Compliance.
• Define data/reporting requirements for commercial dashboards operational monitoring reconciliation management reporting and audit.
• Support UAT defect clarification requirement validation and business sign-off.

Qualifications & Experience

• 5 years Business Analyst experience preferably within FinTech Payments Digital Banking Wallets Neobanking or regulated financial services.
• Experience across Agile Waterfall and/or Hybrid delivery methodologies.
• Strong stakeholder management facilitation negotiation and influencing capability.
• Experience with wallets card issuing payment processing and regulated fintech platforms.
• UAE financial services / CBUAE regulatory exposure preferred.
• Bachelors degree in Computer Science Information Systems Finance Engineering Business or related discipline.
• CBAP CCBA CSPO/PSPO Agile/Scrum PMP BPMN ISO 27001 or PCI-DSS exposure/certification is advantageous.

Key Skills & Tools

Strong capability in requirements elicitation and lifecycle management stakeholder management BRD/FRD/FSD user stories acceptance criteria RTM BPMN 2.0 As-Is/To-Be gap/impact analysis customer journey mapping process modelling UAT change control APIs microservices integrations and solution architecture concepts.

Hands-on exposure to Jira Confluence Azure DevOps Visio Lucidchart Miro PlantUML Mermaid and Figma or equivalent tools.

Core Competencies

Business Analysis Stakeholder Management Agile/Waterfall/Hybrid Delivery Payments & FinTech Requirements Management Customer Journey Analysis BPMN/Process Management Communication & Facilitation Negotiation & Influencing Problem Solving Regulatory Awareness Cross-Functional Collaboration Customer Focus Results Orientation

EITC Competencies: Think Strategically L3 Achieve Tangible Results L4 Lead Breakthrough Change L4 Exceed Customer Expectations L2 Nurture Inspire & Motivate L2 Target Win-Win Outcomes L3

Screening Questions:

• Have you worked as a Business Analyst on digital payments wallets card issuing/processing or digital banking products Please specify which areas.
• Can you explain how you take a business requirement from initial stakeholder discussion through BRD/user stories process flows acceptance criteria UAT and final implementation
• Can you explain an end-to-end payment/card transaction lifecycle including authorization settlement reversal/refund reconciliation and exception handling
• Have you worked across Agile/Scrum Waterfall or Hybrid projects Which BA artefacts have you personally preparedsuch as BRD FSD/FRD user stories RTM BPMN/process flows and acceptance criteria
• Have you translated API/system integration and regulatory requirements such as KYC AML/CFT CBUAE/SVF PCI-DSS fraud or data protection into functional requirements and customer/process flows Please give one example.

1. 20000 - 25000 AED Gross Salary
2. Company provided visa
3. Health insurance
4. Yearly Airfare