Senior/Lead Business Analyst

Must Have Technical/Functional Skills


1. Credit Cards Banking: Deep understanding of Credit Card business flow and banking products with minimum 12-15 years of working experience as lead Business Analyst


2. Regulatory Compliance: Strong knowledge on Cards regulatory processes, Anti-Money Laundering (AML) and Know Your customer (KYC) and Consent Order requirements


3. Requirements Engineering: Analyze and document complex functional and technical requirements for Credit Cards related legacy applications


4. Process Modeling: Map As-Is and To-Be workflows within Cards domain focusing on Consent order related work


5. Stakeholder Liaison: Act as primary point of contact between Product Owners, Technical Architects and IT Developments to analyze and create project requirements


6. Tools: Strong working knowledge with Jira/Confluence/SharePoint in an Agile/Scrum environment


Roles & Responsibilities


1. Act as the Lead Business Analyst within Agile delivery teams, owning end to end requirement management across multiple epics, features, and user stories in the Credit Cards domain


2. Elicit, analyze, and document business and functional requirements for Credit Cards domain


3. Work closely with business stakeholders, product owners, operations, and compliance teams to understand regulatory, customer, and operational needs within the Cards eco system


4. Translate business requirements into clear functional specifications, user stories, use cases, and acceptance criteria for IT delivery teams


5. Perform impact analysis for changes across upstream and downstream systems, including integrations with critical banking applications, regulatory systems, fraud systems, and external networks


6. Serve as the primary liaison between business and technology teams, ensuring shared understanding of requirements and priorities


7. Participate in Agile ceremonies (backlog grooming, sprint planning, reviews, retrospectives)


8. Support solution design discussions with architects and developers, ensuring functional integrity and business needs


9. Maintain end to end documentation including BRDs, FRDs, process flows, data mappings, and change logs


10. Support audits and regulatory reviews by providing clear traceability from business requirements to implemented solutions.


11. Drive the requirements refining for business analysis, including story decomposition, backlog refinement, sprint planning support etc.


12. Provide thought leadership on process optimization, system modernization, and digital transformation initiatives within Cards and Payments ecosystems


13. Perform cross system impact analysis for large initiatives, ensuring alignment across upstream and downstream Cards systems and integrations.


14. Maintain stron g requirements traceability across epics, stories, test cases, and releases to support audits and regulatory reviews.