Business Analyst – Digital Banking
Sharjah
Contract
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Job Title: Business Analyst – Digital Banking (Contractual)
Contract – 12 months renewable
Department
Retail Banking – Digital Channels (Mobile & Online Banking)
Location
Maliha Road, Sharjah, UAE
Reporting To
Head of Mobile & Online Banking
Job Purpose
The Business Analyst will act as a bridge between business stakeholders, technology teams, and external vendors to drive the successful delivery of digital banking initiatives. The role focuses on gathering, analyzing, and translating business requirements into clear functional specifications for mobile, online, and digital banking platforms, ensuring alignment with business goals, customer experience standards, regulatory requirements, and delivery timelines. Review of documentation. Preparation of new business requirements through capturing business processes and customer journeys.
Key Responsibilities
Business & Requirements Analysis
Engage with business stakeholders to understand objectives, pain points, and opportunities related to digital banking products and services.
Elicit, analyze, document, and validate business, functional, and non-functional requirements.
Translate business needs into clear Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), user stories, and process flows.
Conduct gap analysis between current and target state processes and systems.
Digital Banking Delivery Support
Support initiatives related to mobile banking apps, online banking platforms, digital onboarding, payments, cards, lending, and self-service features.
Work closely with IT, UX/UI, vendors, and solution architects during design and development phases.
Good knowledge of Agile methodology and scrum processes
Participate in sprint planning, backlog grooming, and agile ceremonies (where applicable).
Support User Acceptance Testing (UAT), coordinating execution, and ensuring defect resolution.
Stakeholder Management
Act as a single point of contact between business units, technology teams, and third-party vendors.
Facilitate workshops, walkthroughs, and requirement validation sessions.
Communicate progress, risks, and dependencies effectively to stakeholders and management.
Governance, Risk & Compliance
Ensure digital solutions comply with internal policies, risk controls, and regulatory requirements (e.g., KYC, AML, data privacy).
Support audit, risk, and compliance reviews related to digital banking initiatives.
Continuous Improvement
Identify opportunities to enhance customer journeys, operational efficiency, and system usability.
Work on audit observations and UAECB, MCCP requirements to prioritize
Contribute to digital roadmaps and innovation initiatives.
Required Qualifications & Experience
Education
Bachelor’s degree in Business Administration, Information Systems, Computer Science, Engineering, or a related field.
Experience
3–7 years of experience as a Business Analyst (depending on seniority).
Prior experience in Retail Banking and Digital Banking is strongly preferred.
Hands-on experience with Mobile Banking and Online Banking platforms is a must.
Experience working with cross-functional teams (Business, IT, Vendors).
Minimum 2 year experience in Finacle IBMB is mandatory
Required Skills & Competencies
Functional & Technical Skills
Strong requirements gathering and documentation skills (BRD, FRD, User Stories).
Understanding of digital banking products, customer journeys, and channel capabilities.
Experience with Agile / Scrum and/or Waterfall delivery methodologies.
Familiarity with APIs, integrations, and system dependencies (high-level understanding).
Proficiency in tools such as JIRA, Confluence, MS Visio, PowerPoint, Excel.
Soft Skills
Excellent communication and stakeholder management skills.
Strong analytical and problem-solving abilities.
Ability to work independently and manage multiple priorities.
Customer-centric mindset with attention to detail.
Preferred / Nice to Have
Experience working in UAE or GCC banks.
Exposure to digital onboarding, instant payments, wallets, or open banking initiatives.
Certification such as CBAP, PMI-PBA, Agile BA, or Scrum.
Success Indicators
Clear and complete requirements with minimal rework.
On-time and quality delivery of digital initiatives.
Improved customer experience and operational efficiency.
Positive stakeholder feedback and strong collaboration.