Business Analyst

Job Title: Senior Business Analyst – Post-Sales Implementation (Digital Banking)

Location: Chennai, Tamil Nadu, India

Experience Range: 5 to 10 Years

Domain: Digital Banking

Role Type: Full-Time

Role Overview

We are seeking a seasoned Business Analyst with 5 to 10 years of experience in the Digital Banking domain, specializing in post-sales implementation and delivery. In this role, you will bridge the gap between client business objectives and technical implementation teams, driving functional discovery, system configuration, integration workflows, and solution go-live across enterprise banking environments.

Key Responsibilities

1. Implementation & Requirement Engineering (Post-Sales)

• Lead post-sales functional discovery workshops with client business units, IT heads, and compliance teams to capture requirements and author comprehensive Business Requirement Documents (BRD), Functional Specification Documents (FSD), and User Stories.
• Map current state vs. future state business processes, defining gaps between out-of-the-box (OOTB) product capabilities and client-specific customization needs.
• Manage functional scope during project execution, perform impact analysis on change requests (CRs), and secure formal sign-offs from client business leads.

2. Digital Banking Solutioning

• Apply functional expertise across Digital Banking channels—including Mobile Banking Apps, Internet Banking (Retail & Corporate), Payment Gateways (UPI, NEFT/RTGS, IMPS, SWIFT), Digital Onboarding/eKYC, and Loan Origination Systems.
• Design end-to-end user journeys, Wireframes, and System Integration workflows connecting digital channels with Core Banking Systems (CBS) and third-party APIs.
• Collaborate closely with solution architects, UI/UX designers, and engineering teams to ensure functional delivery matches approved specifications.

3. Client & Stakeholder Management

• Serve as the primary functional point of contact for external bank stakeholders throughout the implementation lifecycle.
• Conduct Joint Application Design (JAD) sessions and lead functional walkthroughs for client executives and product owners.
• Maintain implementation trackers, functional risk logs, and conduct status updates to ensure alignment on project milestones.

4. UAT, Go-Live & Hypercare

• Define User Acceptance Testing (UAT) strategies, review test plans, and guide client business users during UAT execution.
• Lead triage meetings for functional defects, prioritizing issue resolution with software development and QA teams.
• Support production cutover, operational readiness assessment, client end-user training, and post go-live hypercare support.

Required Qualifications & Key Skills

• Experience: 5 to 10 years as a Business Analyst in IT services, software product companies, or fintechs, with direct experience in post-sales client implementation.
• Domain Knowledge: Strong functional exposure to Digital Banking modules:
• Omnichannel Retail & Corporate Digital Banking (Web & App)
• Account Aggregation, Open Banking, & Open APIs
• Payment Rails & Messaging Standards (ISO 20022, Swift)
• Digital Onboarding, eKYC, Authentication (MFA, Biometrics), & Fraud Management
• Technical Acumen: Hands-on ability to read/analyze REST APIs, JSON/XML payloads, system architecture diagrams, and database structures.
• Methodologies & Tools: Strong proficiency in Agile/Scrum frameworks, JIRA, Confluence, MS Visio, Lucidchart, Postman, and wireframing tools (Figma/Balsamiq).
• Soft Skills: Superior client-facing communication, active listening, negotiation, and conflict-resolution skills.

Preferred / Good-to-Have

• Certification in Business Analysis (CBAP, CCBA) or Agile (CSM, PMI-ACP).
• Experience with major core/digital banking platforms (Finacle, Temenos, Oracle FLEXCUBE, FIS, Fiserv).
• Exposure to Indian banking regulatory guidelines (RBI cybersecurity, data localization, digital lending norms).