Business Analyst - Digital Banking

We are looking to hire a Business Analyst with a background in Retail Banking and experience in supporting the design, development and roll-out of new banking products, including digital-only and mobile bank accounts.

This role will focus on supporting the roll-out of a new type of bank account for the bank, and you would be involved in ensuring the smooth delivery of various aspects of the account, to include onboarding, payments, spend controls, and integration with third-party platforms. The ideal candidate will have experience working in regulated environments and collaborating with cross-functional teams to deliver seamless digital experiences.

The ideal candidate is likely to have gained this experience in-house at a bank, or within a consulting environment.

Key Responsibilities:-

• Digital Onboarding & Account Creation: Define and refine user journeys for onboarding and account setup in mobile and web platforms.
• Delegate Access Models: Design and document parent-child or delegate access structures within digital offerings, ensuring secure and intuitive user experiences.
• Third-Party Integration: Collaborate with vendors such as Hyperlayer to integrate external capabilities into the core digital platform.
• Payments & Card Authorisations: Analyse how incoming debit card authorisations interact with host payment systems and influence spend attribution logic.
• Spend Controls: Define and implement in-app features such as spending limits, rule-based controls, and card blocking mechanisms.
• Staff Channel Development: Work with internal teams to enhance staff-facing tools that support customer journeys.
• Regulatory Reporting & MI: Ensure digital journeys are designed with appropriate data capture for regulatory reporting and management information (MI) purposes.

Requirements:-

• Proven experience as a Business Analyst in digital banking or fintech environments.
• Strong understanding of mobile banking platforms, customer onboarding, and payments infrastructure.
• Experience working with third-party APIs and integration frameworks.
• Proficiency in tools such as JIRA, Confluence, and process modelling (e.g., BPMN).