Business Analyst

At Zempler Bank, we’re building something exciting and payments sits right at the heart of it. As we continue to evolve our product and customer experience, we’re looking for an experienced Payments Business Analyst to join us on a 12-month fixed-term contract (maternity cover) and help shape the next phase of our journey. This is a brilliant opportunity to step into a high-impact role, working closely with our product owners to deliver key initiatives across our payments landscape. We’re open to candidates based in either London or Liverpool. **The Role** You’ll act as the bridge between business and technology, translating complex ideas into clear, actionable requirements that our engineering teams can deliver. A core focus will be on domestic and international payments, giving you exposure to meaningful, business-critical work from day one. **What you’ll be doing** **Requirements & delivery** * Gather, shape and communicate business requirements across the payments workstream (and beyond where needed) * Translate complex needs into practical, deliverable solutions * Produce clear business, functional and non-functional requirements * Create and manage user stories in Jira, working closely with the Product Owner * Lead refinement sessions to ensure engineers feel confident and ready to build * Assess, log and score incoming requests to support prioritisation **Testing & validation** * Partner with QA teams to define effective test scenarios * Coordinate User Acceptance Testing (UAT) with business stakeholders * Ensure solutions meet business needs and regulatory expectations **Payments & integrations** Support initiatives across: * International payments (SWIFT, SEPA, cross-border flows) * Faster Payments, Bacs, and card journeys (issuing & acquiring) * Work across internal systems and external payment partners * Interpret technical specs (APIs, XML, scheme documentation) and translate into clear requirements **Collaboration** * Partner with teams across Product, Tech, Ops and Finance * Support smooth transition of changes into BAU * Provide BA support across other work streams when needed **Risk & control** * Ensure regulatory and risk considerations are embedded in all deliverables * Support delivery of fair customer outcomes in line with Consumer Duty **What we’re looking for** **Essentials** * Proven experience as a Business Analyst in financial services, ideally within payments * Strong experience working in Agile/Scrum environments * Hands-on experience with international and cross-border payments (e.g. SWIFT, SEPA) * Comfortable working with technical specs, including APIs and XML files * Experience using tools such as Jira, Visio, Excel, UML / use cases * Knowledge of payment schemes and processing (Faster Payments, Bacs, cards, etc.) * Excellent communication and stakeholder management skills * A proactive problem-solver who thrives in a fast-paced environment **Nice to have** * Knowledge of PSD2, GDPR, CBPR, PCI DSS * Exposure to Open APIs or technical / development concepts **Why join us?** You’ll be joining a great team where you can make a real impact quickly. This role offers strong ownership, great exposure, and the opportunity to contribute to meaningful change in a growing bank. We’re committed to creating an inclusive environment where everyone can thrive. If you’re excited about the role but don’t meet every requirement, we’d still love to hear from you.