senior business analyst – digital banking @ deloitte digital

We are looking for a Senior Business Analyst to drive requirements and analysis on digital banking programs across both retail and corporate internet and mobile banking – from onboarding, accounts, cards and payments to corporate cash management and servicing journeys.

You will be the bridge between business stakeholders, product owners, designers and technical teams: understanding how the bank works today, defining clear, testable requirements for how it should work in the target solution, and making sure what is built matches what was needed – from discovery through testing and go-live.

The role suits an experienced analyst who is equally comfortable running a workshop with business owners, writing detailed user stories with acceptance criteria, and walking through an API specification or data mapping with developers.

During your tenure as a Senior Business Analyst, you will demonstrate and develop your ability to:

• Lead requirements elicitation for retail and corporate digital banking features through workshops, interviews and document analysis with business, operations, compliance and IT stakeholders

• Write epics, features and user stories with clear acceptance criteria, detailed enough that developers and testers can build and test without guessing

• Document business rules, edge cases, error handling and non-functional requirements, and maintain traceability from business need to test case

• Map as-is and to-be processes and customer journeys (e.g. BPMN) across onboarding and KYC/eKYC, accounts, cards and digital wallets, payments, loans and deposits, identifying gaps and improvement opportunities

• Analyse corporate internet banking needs such as multi-user entitlements, approval workflows, bulk and file-based payments, and cash management views

• Analyse integrations with core banking, card management, payment and third-party systems, and define functional input for API specifications and data mappings – catching integration and data issues before they reach testing

• Build regulatory requirements into the solution from the start, including PSD2/open banking, Strong Customer Authentication, instant payments, AML/KYC and GDPR

• Support migration from legacy channels to new platforms, covering authentication, customer data migration rules and feature parity

• Work within agile teams in refinement, sprint planning, reviews and demos, keeping the backlog refined and ready together with the Product Owner

• Support test strategy, prepare UAT scenarios and coordinate business acceptance, then support go-live with release notes, operational procedures and training material

• Flag risks, dependencies and scope changes early, with options and impact, to keep business, IT and vendor stakeholders aligned

• Guide and review the work of junior analysts, and help build reusable templates, standards and AI-assisted ways of working

#WinningRequirements

To qualify for the role you must have:

• 5+ years of experience as a Business Analyst, with at least 3 years on banking or financial services programs

• Experience on digital channel programs (mobile, web, APIs) in agile or hybrid delivery; exposure to both retail and corporate internet banking is a strong plus

• Good understanding of retail and corporate banking products and operations

• Working knowledge of core banking, card management and payment systems, and of API-based integration, data models and data mapping

• Familiarity with regulatory requirements such as PSD2/SCA, AML/KYC and GDPR

• Excellent requirements and user story writing, with strong attention to detail

• Process modelling and journey mapping skills, with hands-on use of Jira, Azure DevOps or similar tools

• Ability to read and discuss API specifications (e.g. Swagger/OpenAPI) and basic SQL is a strong plus

• Strong facilitation, analytical and problem-solving skills

• Excellent written and verbal communication in English

• Consulting experience, or experience working with system integrators and vendors, is a plus

• Military obligations fulfilled, where applicable