Sr. Business Systems Analyst

CardWorks, Inc.; South Jordan (UT); Hybrid; USD 85,000 - 115,000; Full time

Benefits offered by this job

Bonus Target

Medical, Dental, Vision

401(k) Match

Paid Vacation & Sick Days

Wellness Programs

Job summary

Merrick Bank seeks a Sr. Business Analyst to support new product delivery for the loan origination system.

You will analyze changes, provide implementation guidance, develop and run UAT plans, and perform post-production validation to ensure requirements, risk, and operational expectations are met for credit card and recreation lending products. You'll collaborate with business owners and developers, design tests, automate where possible, and monitor ongoing processes to optimize performance and

Qualifications

• Bachelor’s degree or four years of relevant experience.
• Five years of UAT/testing, credit underwriting, or related field.
• Three years of data analysis using SAS, SQL, Python, or related software.

Responsibilities

• Review and analyze business change requests for the loan origination system.
• Clarify requirements with owners and developers; propose practical, risk-aware implementations.
• Design, document, and execute UAT test plans and cases; identify defects prior to production.
• Coordinate UAT activities, track results, and manage defect resolution.
• Perform post-production validation and monitoring to ensure changes function as intended.

Skills

UAT Testing

SQL

Python

SAS

Data Analysis

Automation

Jira

Zephyr

Credit Underwriting

Stakeholder Collaboration

Education

Bachelor’s degree or four years of relevant experience

Tools

Snowflake

SAS

SQL

Python

Job description

Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.

Who we are

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.

What we do

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses. Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Position Summary

The Sr. Business Analyst is responsible for supporting the delivery of new products, services, and functionality to the Bank’s loan origination system. This role is responsible for analyzing proposed changes, providing implementation recommendations, developing and executing User Acceptance Testing plans, and performing post-production validation to ensure changes meet business requirements, risk standards, and operational expectations for various credit card and recreation lending products. This role also includes support of periodic processes to support both new and existing products and monitoring.

Essential Functions

• Review and analyze business change requests for the Bank’s loan origination system, assessing impacts to processes, controls, compliance, and system functionality.
• Collaborate with business owners and developers to clarify requirements and recommend practical, risk-aware implementation approaches.
• Design, document, and execute comprehensive UAT test plans and test cases that validate business requirements and identify defects prior to production deployment.
• Coordinate UAT activities, track results, and manage defect resolution.
• Perform post-production validation and monitoring to confirm changes function as intended.
• Document test results, findings, and recommendations in a clear and concise manner.
• Identify opportunities to improve testing processes, with an emphasis on automation.
• Support new account acquisition processes, including managing and updating internal datasets, drafting specification documents, reviewing exceptions from automated monitoring, and performing ad-hoc data analysis.

Requirements for Success

Education & Experience

Bachelor’s degree or four years of relevant experience required.

Experience

• Five years of experience in UAT/system testing, credit underwriting, or other related field required.
• Three years of data analysis using SAS, SQL, Python, or related database analytical software required.
• Experience building and implementing automated solutions for manual processes required.

Knowledge, Skills and Capabilities

• Demonstrated expertise in translating high level business requirements into technical specifications.
• Ability to read and understand decision logic in both high and low code environments.
• Strong data analysis skills and ability to use various analytical software or languages (such as SQL or Python).
• Experience with Snowflake preferred.
• Excellent written and verbal communication skills.
• Ability to balance multiple complex projects with day-to-day tasks.
• Ability to leverage technology, automation, and AI-enable solutions.
• Experience using Jira and Zephyr is preferred.

Why join us

We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people. At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI
• Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law. We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics. If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.

CardWorks Financial Group

CardWorks Financial Group is the engine driving financial progress, a diversified consumer finance provider building ethical solutions across credit, lending, and the full customer lifecycle. Advancing finance with purpose, we put people—clients, customers, and colleagues—at the center of everything we do, guided by our CRITICAL values and united as one enterprise across Merrick Bank, CardWorks Servicing, and Carson Smithfield. As your everyday champion, our vertically integrated platform fuels financial progress through access to credit, high yield deposits, flexible merchant payments, and end to end servicing performance—powered by a culture of relentless curiosity, belonging, and growth.