Senior Business Analyst

Codeninja

Key Responsibilities

• Analyze end-to-end retail banking processes (accounts, cards, lending, onboarding, KYC, payments, channels) and identify opportunities for improvement, automation, and digital optimization.
• Lead discovery sessions to gather, define, and document detailed business and functional requirements.
• Drive digital banking initiatives across mobile, internet, self-service channels, onboarding, and omni-channel experiences.
• Translate business needs into functional specifications, user stories, and technical requirements.
• Collaborate with IT, Digital, Architecture, and Product teams to ensure successful delivery.
• Support UAT, prepare test cases, validate functionalities, and ensure smooth production rollout.
• Conduct impact assessments for new digital features, integrations, or regulatory changes.
• Prepare reports, presentations, and documentation for communicating insights and recommendations.
• Participate in workshops and cross-functional meetings for solution alignment.
• Ensure compliance with regulatory, operational, and security standards.
• Serve as a subject matter expert (SME) for retail banking and digital transformation.

Requirements

• 8 10 years of experience as a Business Analyst in Retail Banking and Digital Banking.
• Strong understanding of retail banking products: accounts, cards, loans, deposits, payments, remittances.
• Deep knowledge of digital banking journeys including onboarding, authentication, digital KYC, servicing, and channel enhancements.
• Experience with core banking systems (T24, Flexcube, Finacle) or digital banking platforms.
• Familiarity with banking regulations, risk controls, and industry best practices.
• Experience in digital transformation, process re-engineering, and modernization projects.
• Proficiency with business analysis tools and MS Office.
• Hands-on experience with Jira, Confluence, or Azure DevOps.
• Ability to create BRDs, FRDs, process flows, user stories, and functional specs.
• Understanding of APIs, integrations, and digital banking architecture (preferred).
• Strong analytical, communication, and presentation skills.
• Certifications such as CBAP, PMI-PBA, or Agile certifications are a plus.
• Experience with Agile methodologies (Scrum, Kanban) is advantageous.