We are seeking an experienced Business Analyst with 8-12 years of experience in Banking, NBFC, or FinTech organizations to drive digital transformation initiatives across Mobile Banking and Super App platforms. The incumbent will be responsible for understanding business requirements, translating them into functional specifications, and ensuring successful implementation of digital products, payment solutions, and customer journeys.

The role requires close collaboration with business stakeholders, product teams, technology partners, vendors, and QA teams to deliver customer-centric and regulatory-compliant digital solutions.

Role & responsibilities

- Elicit, analyze, document, and validate business requirements for Mobile Banking, Digital Banking, and Super App initiatives.
- Partner with business, product, operations, compliance, and technology teams to define functional and non-functional requirements.
- Prepare detailed Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Stories, Use Cases, Process Flows, and Gap Analysis documents.
- Work closely with UI/UX teams to design and optimize customer journeys, onboarding flows, and digital experiences.
- Collaborate with internal development teams and external vendors to ensure accurate translation of business requirements into technology solutions.
- Participate actively in Agile ceremonies including Sprint Planning, Backlog Grooming, Sprint Reviews, and Retrospectives.
- Support API definition, integration requirements, and system interaction discussions across multiple platforms and channels.
- Facilitate User Acceptance Testing (UAT),



coordinate testing activities, track defects, and ensure successful business sign-off.
- Monitor project progress, identify risks, dependencies, and issues, and work with stakeholders to drive timely resolutions.
- Ensure adherence to regulatory and compliance requirements, including RBI guidelines, digital lending regulations, and information security standards.
- Analyze customer feedback, usage trends, and business metrics to identify opportunities for product enhancements and process improvements.
- Support rollout, implementation, and post-production stabilization activities for digital banking initiatives.

Preferred candidate profile

Qualifications:

BE / B.Tech / MCA / MBA or equivalent qualification in Engineering, Technology, Computer Science, Information Systems, or related disciplines.

Experience:

- 8-12 years of experience as a Business Analyst, Functional Consultant, Implementation Specialist, or Product Analyst in Banking, NBFC, FinTech, or Digital Payments domain.
- Proven experience in Mobile Banking, Super App, or Digital Financial Services implementations.
- Hands-on experience delivering payment-related projects such as: UPI, BBPS, Other Payments, Account Aggregator integrations,



Digital onboarding journeys
- Experience working with cross-functional teams and leading requirement discussions from concept through implementation.
- Solid understanding of API-based integrations, microservices architecture concepts, and third-party ecosystem integrations.
- Experience using tools such as JIRA, Confluence, Visio, Draw.io, Excel, and PowerPoint.
- Experience preparing BRDs, FRDs, User Stories, Process Maps, Functional Specifications, and UAT documentation.
- Prior experience in Banking or NBFC organizations will be preferred.
- Exposure to modern FinTech and digital-first platforms will be an added advantage.

Technical & Functional Skills

Digital Banking & Payments

- Strong understanding of Mobile Banking and Digital Channel ecosystem.
- Knowledge of UPI, BBPS, IMPS, NEFT, RTGS, merchant payments, bill payments, and QR-based transactions.
- Understanding of customer onboarding, eKYC, CKYC, Video KYC, and lending journeys.
- Familiarity with authentication and authorization mechanisms including OTP, MPIN, biometrics, and device binding.

Business Analysis

- Requirement gathering and stakeholder management.
- Process modelling and business process re-engineering.
- Gap analysis and solution design.
- User story writing and acceptance criteria definition.
- UAT planning and execution support.

Technical Understanding

- API concepts and integration workflows.
- Basic SQL and data analysis.
- Knowledge of Agile/Scrum methodologies.
- Understanding of system integrations and digital architecture.

📌 Business Analyst (Maharashtra)
🏢 Poonawalla Fincorp
📍 Maharashtra