Senior Business Analyst

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