Senior Business Analyst (Digital Financial Services / FinTech)

XAD Technologies; Dubai; On-site; AED 300,000 - 480,000; Full time

Job summary

XAD Technologies in Dubai seeks a Senior Business Analyst – Digital Financial Services to drive analysis, product insights, and strategic initiatives across digital lending, payments, and financial inclusion platforms. The role will act as a bridge between business stakeholders, product teams, and technology to ensure scalable, data-driven financial solutions.

The ideal candidate will possess strong domain expertise in digital finance, lending ecosystems, and mobile money platforms, with the

Qualifications

• 6–10+ years of experience as a Business Analyst in FinTech / Digital Financial Services.
• Experience with digital lending, mobile money ecosystems, and financial inclusion.
• Experience across multiple geographies and regulatory environments preferred.

Responsibilities

• Gather, analyze, and document business requirements for digital financial products and platforms.
• Translate business needs into functional specifications, user stories, and process flows.
• Conduct gap analysis and recommend scalable solutions aligned with business objectives.
• Facilitate workshops and stakeholder discussions to refine requirements.
• Support design and enhancement of: digital lending products, payment systems, embedded finance and open banking solutions.

Skills

Digital finance domain expertise

Lending ecosystems

Mobile money platforms

BPMN

Workflow modeling

Data analysis

SQL

Excel

BI tools

Agile/Scrum

Regulatory awareness

Credit risk understanding

Stakeholder communication

Education

Bachelor's or Master's degree in Business, Finance, IT, or related field

CBAP

PMI-PBA

Tools

BPMN tools

Requirement gathering tools

SQL

Job description

Senior Business Analyst (Digital Financial Services / FinTech)

Job Openings Senior Business Analyst (Digital Financial Services / FinTech)

About the job Senior Business Analyst (Digital Financial Services / FinTech)

About the Role

We are seeking a Senior Business Analyst – Digital Financial Services to drive business analysis, product insights, and strategic initiatives across digital lending, payments, and financial inclusion platforms. The role will act as a critical bridge between business stakeholders, product teams, and technology functions to ensure the successful delivery of scalable, data-driven financial solutions.

The ideal candidate will possess strong domain expertise in digital finance, lending ecosystems, and mobile money platforms, with the ability to convert complex business needs into actionable requirements and optimized processes.

Key Duties & Responsibilities

Business Analysis & Requirements Management

• Gather, analyze, and document business requirements for digital financial products and platforms
• Translate business needs into functional specifications, user stories, and process flows
• Conduct gap analysis and recommend scalable solutions aligned with business objectives
• Facilitate workshops and stakeholder discussions to refine requirements
• Support the design and enhancement of:
  • Digital lending products (nano loans, overdrafts, MSME financing)
  • Payment systems and mobile money integrations
  • Embedded finance and open banking solutions
• Analyze customer behavior, financial data, and market trends to inform product decisions
• Assist in financial modeling, pricing strategies, and product viability assessments

Process Optimization & Operations

• Map and optimize end-to-end business processes across the product lifecycle
• Identify inefficiencies in credit operations, onboarding, and transaction workflows
• Recommend automation and digitalization strategies to enhance operational efficiency
• Ensure alignment with regulatory, compliance, and risk management frameworks

Data Analysis & Reporting

• Define KPIs and track product and business performance metrics
• Perform data analysis to support decision-making, including:
  • Conversion rates
  • Customer acquisition and retention
  • Product usage and financial performance
• Develop dashboards and reports for stakeholders and senior management

Stakeholder & Cross-Functional Collaboration

• Act as liaison between business, product, engineering, and operations teams
• Collaborate with external partners including FinTechs, mobile operators, and financial institutions
• Support integration initiatives with third-party systems and platforms

Project Support & Delivery

• Support project planning, execution, and delivery across multiple initiatives
• Work within Agile frameworks to ensure timely delivery of requirements and solutions
• Assist in UAT (User Acceptance Testing), validation, and post-launch analysis

Requirements & Qualifications

Experience

• 6–10+ years of experience as a Business Analyst in FinTech / Digital Financial Services
• Strong exposure to:
  • Digital lending and credit lifecycle
  • Mobile money ecosystems and payment platforms
  • Financial inclusion and underserved market segments
• Experience working across multiple geographies and regulatory environments is preferred

Technical & Functional Skills

• Strong expertise in:
  • Business process modeling (BPMN, workflows)
  • Requirement gathering and documentation tools
  • Data analysis and reporting (Excel, BI tools, SQL preferred)
• Understanding of:
  • Financial services regulations and compliance
  • Credit scoring models and risk frameworks
• Familiarity with Agile/Scrum methodologies

Core Competencies

• Analytical Thinking & Problem Solving
• Stakeholder Management & Communication
• Data-Driven Decision Making
• Process Optimization & Digital Transformation

Education

• Bachelor's or Master's degree in Business, Finance, IT, or related field
• Certifications in Business Analysis (CBAP, PMI-PBA) or Finance are a plus