Senior Business Analyst - Payments

ANZ Banking Group; Bengaluru; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

ANZ Banking Group in Bengaluru, India, seeks a Senior Business Analyst for its Group Payments Service Line. The BA will shape end-to-end requirements for payments, ensure regulatory compliance, and work with multiple domains to enable safe, resilient changes and delivery.

Responsibilities include leading requirements gathering, producing stories and acceptance criteria, and maintaining traceability across the delivery lifecycle. A focus on operational resilience and scheme readiness is essential.

Qualifications

• Experience delivering BAU, regulatory, and technology-driven change.
• Strong requirements elicitation, analysis, documentation, and traceability skills.
• Ability to define clear scope, acceptance criteria, and business outcomes.
• Knowledge of payments, scheme rules, ISO 20022, and payment industry standards.

Responsibilities

• Lead end-to-end requirements gathering across business, technology, operations, and risk.
• Produce high-quality requirements, user stories, acceptance criteria and data mapping.
• Ensure requirements align with payment scheme rules and regulatory expectations.
• Analyse impacts across upstream/downstream services, data flows, and reconciliation.
• Drive traceability from outcomes to testing and release.
• Support backlog refinement and scope shaping with Product Owners and SLOs.
• Work with engineers, architects, and analysts to ensure feasible requirements.
• Collaborate with risk, compliance, schemes, and customer tribes.

Skills

Requirements Elicitation

Stakeholder Management

Regulatory & ISO20022

End-to-end Delivery

Data Mapping

Job description

Senior Business Analyst

About Us At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

The Business Analyst (BA) is the analytical engine and delivery enabler for a Group Payments Service Line. They are accountable for shaping clear, end-to-end requirements, collaborating deeply with business, operations and technology stakeholders, and ensuring change is safe, resilient, and aligned to the Payments operating model. BAs translate complex payment flows, regulatory obligations, scheme rules, customer needs, organisational polices and technical constraints into actionable requirements and process artefacts, and acceptance criteria that enable high-quality delivery. Aligned to a Service Line and working closely with technical delivery squads, BAs ensure the work is defined, understood, testable, supportable, and traceable — from inception through to release and operational readiness. Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours.

Location

Bengaluru

Role Type

Permanent, Fulltime

What will your day look like?

• Lead end-to-end requirements gathering across business, technology, operations, architecture, risk and financial crime.
• Produce high-quality requirements/user stories, acceptance criteria, process maps, business rules, data mapping, and payment-flow documentation.
• Ensure requirements align to payment scheme rules, regulatory expectations, operational resilience, control frameworks, and enterprise architecture standards.
• Analyse impacts across upstream/downstream services, channels, data flows, settlement processes, reconciliation, and support models.
• Drive traceability across business outcomes → requirements → testing → release.
• Support Product Owners (POs)/Initiative Leads (ILs), Service Line Owners (SLOs) with backlog refinement, prioritisation and scope shaping.
• Work with engineers, architects, and system analysts to ensure requirements are feasible, technically aligned, and ready for build.
• Partner with Technology Domains, Engineering, Systems Analysts, Operations, Risk, Financial Crime, Schemes, Compliance, and Customer tribes.
• Support scheme readiness (SWIFT, Cards and domestic payment rails in the respective jurisdictions), regulatory uplift, remediation work and enterprise programs that intersect with payments.
• Payments Architecture / SMEs: process flows, design alignment, scheme & ISO20022 impacts

What will you bring?

• Experience delivering BAU, strategic, regulatory, and technology-driven change.
• Strong requirements elicitation, analysis, documentation, and traceability skills.
• Ability to define clear scope, acceptance criteria, and business outcomes.
• Strong understanding of regulatory and scheme requirements, ISO 20022, and payment industry standards.
• Experience improving end-to-end payment flow accuracy, process efficiency, and operational hand-offs.
• Proven stakeholder management across Business, Product, Technology, Risk, and Financial Crime teams.
• Experience supporting platform migrations, technology simplification, and capability uplift initiatives.
• Focus on delivery quality, operational efficiency, and continuous improvement.A collaborative mindset with a strong focus on business value and customer outcomes.
• You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

Job Posting End Date 31/08/2026, 11.59pm, (Melbourne Australia) Experience Level Senior Level