Senior Business Analyst - Digital Wallets

Job Purpose

The Business Analyst translates du Pay's 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 .
• Bachelor's 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 prepared—such 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.