Senior Business Analyst - Digital Wallets

XAD Technologies; Dubai; On-site; AED 201,000 - 357,000; Full time

Job summary

XAD Technologies in Dubai seeks a capable Business Analyst to translate commercial and product initiatives into actionable, compliant requirements, bridging Commercial, Product, Technology, UI/UX and Compliance teams. You will drive end-to-end delivery across Agile, Waterfall and Hybrid setups.

The ideal candidate has solid BA experience in fintech payments, strong stakeholder facilitation, and proficiency with BRD/FRD/FSD, BPMN 2.0 and API-driven integrations, enabling scalable customer

Qualifications

• Experience in fintech/payments or digital banking
• Experience across Agile, Waterfall and/or Hybrid delivery
• Strong stakeholder management, facilitation, negotiation and influencing
• Experience with wallets, card issuing/processing, or regulated fintech platforms
• UAE financial services regulatory exposure preferred
• CBAP/CCBA/CSPO/PSPO, Agile/Scrum, PMP, BPMN, ISO 27001 or PCI-DSS exposure advantageous

Responsibilities

• Elicit, analyze, prioritize, document and validate functional and non-functional requirements.
• Produce BA artefacts including BRD, FRD/FSD, epics, user stories, acceptance criteria and use cases.
• Perform As-Is/To-Be, gap and impact analyses.
• Work across Agile/Scrum/Kanban, Waterfall and Hybrid environments.
• Support backlog refinement, sprint planning, traceability and UAT.
• Maintain end-to-end requirements traceability from business need to implementation.

Skills

Requirements elicitation

Stakeholder management

BRD/FRD/FSD

BPMN 2.0

APIs/microservices

Education

Bachelor's degree in Computer Science, Information Systems, Finance, Engineering, Business

CBAP/CCBA/CSPO/PSPO/PMP/ISO 27001 or PCI-DSS exposure advantageous

Tools

Jira

Confluence

Azure DevOps

Visio

Lucidchart

Miro

PlantUML

Mermaid

Figma

Job description

Job Purpose

The Business Analyst translates du Pay's commercial and product initiatives into clear, user-centric, technically feasible and compliant requirements. The role bridges Commercial/P&L Owners, Product, Technology, Solution Architecture, UI/UX, Operations, Compliance, Risk, Customer Support, QA and external partners to deliver scalable fintech solutions and seamless customer journeys.

The role requires strong Business Analysis, Stakeholder Management and end-to-end delivery capability across Agile, Waterfall and Hybrid methodologies.

Key Responsibilities

Business Analysis & Delivery

• Elicit, analyze, prioritize, document and validate functional and non-functional requirements through workshops, interviews, discovery sessions and stakeholder discussions.
• Produce appropriate BA artefacts including BRD, FRD/FSD, epics, user stories, acceptance criteria, use cases, business rules, RTM, process flows, data/reporting requirements and interface/integration requirements.
• Perform As-Is/To-Be, gap analysis, impact analysis and process analysis.
• Work across Agile/Scrum/Kanban, Waterfall and Hybrid environments, adapting documentation and governance to the delivery model.
• Support backlog refinement, sprint planning, requirements baselining/sign-off, traceability, change control, testing, UAT, release and implementation.
• Maintain end-to-end requirements traceability from business need through solution design, development, testing and implementation.

Stakeholder Management

• Manage stakeholders across Commercial, Product, Technology, Architecture, Engineering, UI/UX, Operations, Compliance, Risk, Fraud, Customer Support, QA and external partners/vendors.
• Facilitate workshops, requirement walkthroughs, solution discussions, validation and approvals.
• Translate business needs into actionable technical requirements and technical constraints into clear business impacts.
• Manage conflicting requirements, priorities, expectations, dependencies, risks, scope changes and stakeholder sign-offs.
• Build consensus and influence cross-functional stakeholders without direct authority.

Customer Journey, Process & Technology

• Define requirements for mobile/web channels, customer journeys, operational workflows, reporting and third-party integrations.
• Collaborate with UI/UX on personas, usability, Figma/designs, validations, error handling, accessibility, business rules, happy paths and edge/exception scenarios.
• Design and maintain BPMN 2.0 end-to-end processes, including happy paths, exceptions, reversals and failure scenarios, within the Central Business Process Repository.
• Work with Solution Architects on APIs, microservices, platforms, integrations, security, performance and scalability requirements.
• Analyze processor, payment scheme, network, partner and API documentation and convert it into business-ready requirements and process flows.

FinTech, Payments & Compliance

• Define requirements covering wallets, ledgers, balances, transaction lifecycles, physical/virtual card issuance, card processing, four-party card model, payments, reversals, refunds, reconciliation and disputes.
• Support customer lifecycle journeys including onboarding, KYC/KYC refresh, limits, account servicing and customer support.
• Incorporate CBUAE/SVF, AML/CFT, Consumer Protection, Data Localization, Fraud, Dispute Management, PCI-DSS, security and data protection requirements in collaboration with Compliance.
• Define data/reporting requirements for commercial dashboards, operational monitoring, reconciliation, management reporting and audit.
• Support UAT, defect clarification, requirement validation and business sign-off.

Qualifications & Experience

• 5+ years' Business Analyst experience, preferably within FinTech, Payments, Digital Banking, Wallets, Neobanking or regulated financial services.
• Experience across Agile, Waterfall and/or Hybrid delivery methodologies.
• Strong stakeholder management, facilitation, negotiation and influencing capability.
• Experience with wallets, card issuing, payment processing and regulated fintech platforms.
• UAE financial services / CBUAE regulatory exposure preferred.
• Bachelor's degree in Computer Science, Information Systems, Finance, Engineering, Business or related discipline.
• CBAP, CCBA, CSPO/PSPO, Agile/Scrum, PMP, BPMN, ISO 27001 or PCI-DSS exposure/certification is advantageous.

Key Skills & Tools

Strong capability in requirements elicitation and lifecycle management, stakeholder management, BRD/FRD/FSD, user stories, acceptance criteria, RTM, BPMN 2.0, As-Is/To-Be, gap/impact analysis, customer journey mapping, process modelling, UAT, change control, APIs, microservices, integrations and solution architecture concepts.

Hands-on exposure to Jira, Confluence, Azure DevOps, Visio, Lucidchart, Miro, PlantUML, Mermaid and Figma or equivalent tools.

Core Competencies

Business Analysis | Stakeholder Management | Agile/Waterfall/Hybrid Delivery | Payments & FinTech | Requirements Management | Customer Journey Analysis | BPMN/Process Management | Communication & Facilitation | Negotiation & Influencing | Problem Solving | Regulatory Awareness | Cross-Functional Collaboration | Customer Focus | Results Orientation

EITC Competencies

Think Strategically – L3 | Achieve Tangible Results – L4 | Lead Breakthrough Change – L4 | Exceed Customer Expectations – L2 | Nurture, Inspire & Motivate – L2 | Target Win-Win Outcomes – L3

Screening Questions

• Have you worked as a Business Analyst on digital payments, wallets, card issuing/processing, or digital banking products? Please specify which areas.
• Can you explain how you take a business requirement from initial stakeholder discussion through BRD/user stories, process flows, acceptance criteria, UAT, and final implementation?
• Can you explain an end-to-end payment/card transaction lifecycle, including authorization, settlement, reversal/refund, reconciliation, and exception handling?
• Have you worked across Agile/Scrum, Waterfall, or Hybrid projects? Which BA artefacts have you personally prepared—such as BRD, FSD/FRD, user stories, RTM, BPMN/process flows, and acceptance criteria?
• Have you translated API/system integration and regulatory requirements such as KYC, AML/CFT, CBUAE/SVF, PCI-DSS, fraud, or data protection into functional requirements and customer/process flows? Please give one example.