Senior Business Analyst – Digital Payments & API Integration

DBS Bank Ltd; Singapore; On-site; SGD 60,000 - 100,000; Full time

Job summary

DBS Bank Ltd is seeking a motivated Business Analyst to join the Digital Payments Technology team to help deliver secure and seamless digital payment experiences across mobile and internet banking channels. You will translate needs into functional requirements and support end-to-end delivery with product owners, engineering, QA, and operations.

The role emphasizes collaboration, agile delivery, and strong knowledge of REST APIs, payments processes, and regulatory rules to ensure robust payment

Qualifications

• Bachelor’s degree in CS, IT, Engineering, or related discipline.
• 3–6 years of Business Analysis experience in banking, financial services, or payments technology.
• Strong experience gathering functional requirements, user stories, and acceptance criteria.
• Good understanding of digital banking or payment-processing workflows and Agile methodologies.
• Working knowledge of REST APIs, JSON, system integrations, and basic database concepts.
• Proficiency with Jira, Confluence, or equivalent delivery management tools.
• Strong analytical, communication, and stakeholder management skills.

Responsibilities

• Engage stakeholders and Product Owners to capture business objectives, user needs, and regulatory rules.
• Document digital payment requirements, process flows, business rules, and interface specifications.
• Perform gap and impact analyses for new capabilities, identifying functional dependencies and edge cases.
• Support core payment capabilities including fund transfers, intra/inter-bank flows, limit management, bill payments, and overseas remittances.
• Cover end-to-end payment lifecycles from initiation, validation, and authentication to transaction processing and status tracking.
• Collaborate on fraud controls, regulatory compliance, and straight-through processing improvements.
• Partner with engineering to clarify functional behavior and system integration needs across channels, APIs, and downstream systems.
• Analyze API specifications, request/response payloads, validation rules, error handling, and transaction state transitions.
• Participate in Agile ceremonies (backlog refinement, sprint planning, retrospectives) to ensure user stories are clear and testable.
• Coordinate across cross-functional teams to resolve dependencies, ambiguities, and delivery blockers.
• Collaborate with QA to define test scenarios, review test cases for completeness (including negative scenarios), and support UAT.
• Analyze functional defects, clarify expected behavior, and support defect triage and production-readiness reviews.

Skills

Analytical thinking

Ownership mindset

Customer-focused

Collaborative communicator

Detail-oriented

Adaptable learner

Education

Bachelor’s degree in CS/IT/Engineering/Business Informatics or related

Tools

Jira

Confluence

Postman

Swagger/OpenAPI

SQL

Job description

DBS Bank Ltd is seeking a motivated Business Analyst to join the Digital Payments Technology team to help deliver secure and seamless digital payment experiences across mobile and internet banking channels. You will translate needs into functional requirements and support end-to-end delivery with product owners, engineering, QA, and operations.

The role emphasizes collaboration, agile delivery, and strong knowledge of REST APIs, payments processes, and regulatory rules to ensure robust payment