Business Analyst

As a highly motivated and domain-driven Business Analyst, you will be supporting the Micro and Small Enterprises (MSE) Banking division. In this role, you will collaborate closely with business teams, technology experts, and product owners to enhance MSE banking capabilities in alignment with the digital-first vision and growth strategy for the UAE's SME sector. Your key responsibilities will include partnering with Business Banking stakeholders to capture and analyze requirements for MSE banking products such as Business Current Accounts, Working Capital Loans, POS Loans, and Digital Onboarding. You will be translating business needs into detailed business requirement documents (BRDs), user stories, and process workflows. Additionally, you will play a crucial role in supporting the enhancement of Digital SME Lending and onboarding journeys by integrating data-driven eligibility and decision models. Moreover, you will conduct gap analysis on existing products to identify process inefficiencies and improvement opportunities. Collaboration with Technology, Operations, Risk, and Compliance teams will be essential to ensure smooth project delivery. You will also be responsible for ensuring that all deliverables align with UAE Central Bank regulations, the BANK's internal governance, and compliance frameworks including KYC, AML, FATCA, etc. Furthermore, your role will involve assisting in the preparation and execution of UAT to ensure that all MSE product changes meet user and regulatory expectations. As the ideal candidate, you should hold a Bachelor's degree in Finance, Business Administration, or Information Systems, with a Master's degree being preferred. You should have 8-12 years of experience in banking or financial services, with a minimum of 3-5 years specifically in the SME/MSE segment. A strong understanding of the BANK's Business Banking product portfolio, UAE's SME regulatory ecosystem, and digital transformation goals is crucial. Hands-on experience with core banking systems (preferably Finacle), digital platforms, and CRM systems is highly desirable. Familiarity with project delivery methodologies such as Agile and Scrum, as well as experience using tools like JIRA, Confluence, and Visio, will be beneficial in this role. Additionally, experience in designing and launching MSE lending products such as Business Booster Loans, Insta Loans, and POS-based lending is considered a desirable skill. An understanding of UAE business customer segmentation, especially traders, freelancers, and small corporates, is also advantageous. Exposure to fintech partnerships, API integrations, or open banking initiatives in the UAE will further enhance your profile. In terms of behavioral competencies, you should possess strong interpersonal and stakeholder engagement skills. Attention to detail and a data-driven problem-solving mindset are essential qualities for this role. The ability to work both independently and collaboratively in a dynamic, fast-paced banking environment is crucial for success in this position.,