Business Analyst

Note: Work from Office - All 5 days

Candidates who are interested to work in Chennai should ONLY apply.

Senior Business Analyst

BRDs, FRDs, user stories, process flows

Core Responsibilities

Requirements Gathering & Documentation

• Collaborate with Product Managers/Directors to translate the product vision into detailed business and functional requirements.

• BRD Finalization:

  Own end-to-end documentation of business requirements, flows, and high-/low-level design inputs.
• Create BRDs, FRDs, PRDs (as needed), workflow diagrams, and API requirement specifications.
• Convert client issues and business gaps into precise user stories and acceptance criteria.

• Solution Refinement:

  Continuously refine requirements throughout development based on feedback, market needs, or constraints.

Product Delivery & Execution

• Work with Engineering to ensure requirements are understood and implemented accurately.
• Support sprint ceremonies, backlog prioritization, and cross-team alignment.

• Execution Tracking:

  Manage sprint-level deliverables, dependencies, and requirement clarifications.
• Validate features during QA/UAT, support defect triage, and ensure timely and high-quality releases.
• Provide

  trade-off analysis

  for scope, timelines, and quality to support product decisions.

Process Mapping & Optimization

• Design and maintain end-to-end workflows for payments, payouts, onboarding, KYC/AML, merchant setup, funding, and reconciliation.
• Identify process gaps and recommend improvements for scalability, compliance, and operational efficiency.

• Operationalize the product

  by aligning requirements with billing, risk/compliance, servicing, and support teams.

Stakeholder Collaboration

• Work with Sales, Partnerships, Implementations, and Client Success to capture onboarding needs and market feedback.
• Create GTM documentation such as feature guides, integration notes, SOPs, and release collateral.
• Collaborate with merchants, ISVs, and partners to clarify requirements and integration constraints.

Data & Analysis

• Analyze product KPIs such as adoption, throughput, failure rates, and operational bottlenecks.
• Support business cases, root-cause analyses, and competitive benchmarking.

AI & Automation Enablement

• Use

  AI tools

  to improve requirement quality, documentation speed, and decision-making.
• Identify

  AI-driven opportunities

  to enhance merchant experiences, reduce manual steps, or improve platform efficiency.
• Work with Product and Engineering teams to integrate AI use cases into flows while respecting compliance and regulatory frameworks.
• Translate business challenges into

  actionable AI concepts

  with measurable impact.

Must-Have Skills & Experience

• 7+ years as a Business Analyst in payments, merchant acquiring, or embedded finance.
• Strong understanding of ACH, card processing, RTP, payouts, A2A/pay-by-bank, and settlement flows.
• Proficient in BRDs, FRDs, user stories, acceptance criteria, process mapping, and API documentation.
• Ability to work closely with engineering teams on

  API-based products

  .
• Working knowledge of PCI, KYC/AML, fraud/risk concepts, and regulatory expectations.
• Hands-on experience with tools such as JIRA, Confluence, Visio/Lucid, Postman (basic), SQL (nice to have).
• Excellent communication skills and ability to simplify complex topics for technical and non-technical audiences.

Nice-to-Have

• Experience with merchant onboarding, pay-ins/payout orchestration, or embedded finance flows.
• Understanding of systems like Finxact, Carat, or merchant KYC/risk platforms.
• Familiarity with API developer portals or sandbox testing.
• Exposure to AI/ML, fraud analytics, or risk scoring tools.
• Experience working with distributed teams in Agile/Scrum environments.

Success Looks Like

• Delivering precise, high-quality requirements that accelerate engineering output.
• Improved release quality through strong analysis and structured documentation.
• Strong cross-team alignment and reduced friction across Product, Engineering, and Operations.
• Optimized operational and onboarding flows that reduce merchant effort and internal processing time.
• Measurable support to Product leadership in driving roadmap execution and feature adoption.