Product & Business Analysis Lead
Job Responsibilities:
Lead the Business Analysis team across business-as-usual delivery and technical debt initiatives; allocate work, coach analysts and review the quality and completeness of requirements.
Work with the Head of Product to shape payment product roadmaps and priorities using merchant needs, operational issues, commercial value and delivery constraints.
Run discovery workshops with merchants, Operations, Finance, Sales, Risk, Compliance and technology teams; define business problems, scope, success measures and agreed process improvements.
Produce and maintain business and functional specifications, user stories, process flows, data mappings and testable acceptance criteria; obtain stakeholder approval and maintain requirements traceability.
Define payment lifecycle requirements covering merchant onboarding, payment acceptance, pre-authorisation, capture, voids, partial and full refunds, disputes, recurring payments and mandates, as applicable to each product.
Work with Finance and Operations to specify settlement, payouts, reconciliation and exception handling, including authoritative transaction records, financial controls and reporting requirements.
Define integration behaviour with architects and developers: API fields, validation, webhooks, status transitions, timeouts, retries, duplicate prevention and failure recovery for merchant, bank and payment partner integrations.
Maintain a prioritised backlog with the Head of Product and delivery teams; lead refinement, clarify dependencies, assess change impacts and resolve requirement gaps before and during development.
Analyse existing systems and workflows to support technical debt reduction and migration; document current and target behaviour, data conversion needs and compatibility requirements.
Partner with QA and business users on test coverage and user acceptance testing, including financial exceptions and failure scenarios; resolve defects against agreed requirements and coordinate business sign-off.
Translate security, privacy and applicable payment compliance requirements into functional controls with the responsible teams; define access permissions, audit trails and data handling requirements.
Prepare product and integration documentation, operational procedures and release handovers; support merchant adoption, monitor agreed product outcomes and use production feedback to improve subsequent releases.
Job Requirements:
Bachelor's Degree in Information Technology, Computer Science, Business Information Systems, Finance or a related field.
Minimum 7 years of relevant Business Analysis experience, preferably within fintech, payment gateways, banking or financial services.
At least 2 years of experience in a senior or lead capacity, with proven ability to mentor and guide Business Analysts.
Strong experience in end-to-end business requirements gathering, analysis, documentation and solution delivery.
Hands-on experience working with cross-functional teams, including Product, Technology, Operations, Finance, Risk and Compliance.
Experience working in Agile and Waterfall development environments.