Senior Business Analyst

We are looking for a Senior Business Analyst to join our Core Banking team and drive the analysis of complex banking and payments initiatives across our platform. You will work across Product, Engineering, Finance, Operations, and Compliance to turn domain complexity into clear, structured requirements that support high-quality delivery in a regulated environment. This is a role for someone who understands how banking products really work beneath the surface — from payment flows and ledger logic to safeguarding, reconciliation, and operational controls.

• →Owning requirements gathering, analysis, and documentation across core banking product domains, including accounts, payments, cards, FX, and fee management
• →Defining and documenting end-to-end payment flows across EU and UK schemes, covering inbound, outbound, internal, rejected, returned, and recalled transactions
• →Translating money movement, settlement, and accounting logic into functional requirements in close collaboration with Finance and Engineering
• →Defining requirements for banking settlement and correspondent account operations, including reconciliation, safeguarding, segregation of funds, and internal fund movements
• →Converting regulatory and compliance obligations into actionable functional specifications and acceptance criteria across areas such as KYC, AML, transaction monitoring, and licensing requirements
• →Partnering closely with Engineering on API design, system integrations, service dependencies, and solution design, bringing strong domain context into technical discussions
• →Breaking down large initiatives into structured delivery artefacts, ensuring clear traceability from business need to implementation outcome
• →Coordinating and supporting UAT, business validation, and stakeholder sign-off across Operations, Finance, Compliance, Product, and Engineering
• →Identifying gaps in operational processes and internal tooling, including client account management, fee configuration, transaction monitoring workflows, and exception handling
• →Managing scope, dependencies, assumptions, and stakeholder alignment across multiple parallel workstreams

• 5+ years of experience as a Business Analyst in fintech, banking, or a PI/EMI environment, with direct experience delivering core banking or payments-related capabilities
• Strong knowledge of EU and UK banking domains, including multi-currency IBANs, correspondent banking, safeguarding and segregation of client funds, nostro account structures, and PI/EMI operating models
• Deep expertise in payment rails and transaction lifecycles, including SEPA (SCT, SCT Inst, SDD, returns, recalls), SWIFT, Faster Payments, BACS, and CHAPS
• Solid understanding of double-entry accounting, ledger logic, general ledger structures, Chart of Accounts, and journal flows in a regulated financial environment
• Ability to work credibly with Engineering on system architecture, API contracts, event-driven integrations, and service interactions
• Comfortable reading and interpreting API documentation, process flows, sequence diagrams, and technical specifications
• Strong business analysis toolkit, including process modelling, requirements decomposition, acceptance criteria writing, and structured documentation
• Excellent stakeholder management and communication skills, with the ability to align Engineering, Finance, Compliance, Operations, and Product around complex requirements and delivery trade-offs

• Working knowledge of relevant regulatory frameworks and obligations, including AML/KYC, sanctions screening, transaction monitoring, GDPR, PSD2, and EMI-related controls in the EU and/or UK
• Experience working in environments with regulated money movement, safeguarding controls, and financial reconciliation processes
• Good delivery coordination skills across Agile and hybrid delivery models, including backlog refinement, dependency tracking, and cross-team planning

• Step 1 – Thinking in Action (40 minutes) Your first conversation will be with our Talent Acquisition team. We'll explore your background, career journey, motivations, and overall fit for the role. As part of this discussion, you'll also complete a short technical screening that will be reviewed by our engineering team. This stage helps us understand both your experience and how you approach technical challenges.
• Step 2 – Build in Production (60–90 minutes) Meet with the Team Lead and technical experts for a practical assessment. Depending on the role, this may involve a live coding exercise or a real-world scenario designed to evaluate your technical skills, problem-solving approach, and ability to work through challenges similar to those faced by our teams.
• Step 3 – Final Interview (45 minutes) The final stage is a group interview with senior members of our Technology squad, which may include the CTO, CPO, and Team Lead. Together, we'll discuss team fit, collaboration style, expectations from both sides, and any remaining questions about the role, team, or technology domain. This is also an opportunity for you to learn more about our culture and ways of working.

Let's embark on a journey to redefine the landscape of payments together. We're not just offering a role; we're inviting you to be a part of something bigger. Join our team, and let's innovate, disrupt, and lead the future of payments. Together, we can make an impact that resonates. Welcome to the team! 

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