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.