Principal Business Analyst – Digital Onboarding & Process Transformation

Overview We are seeking an experienced Principal Business Analyst – Digital Onboarding & Process Transformation to lead strategic business transformation initiatives across the Wallet and Banking ecosystem. The role is responsible for driving digital onboarding, KYC transformation, process automation, STP enablement, regulatory compliance, and customer journey digitization. Key Responsibilities • Lead end-to-end digital onboarding, KYC/KYB, customer lifecycle and compliance transformation initiatives. • Drive conversion of manual and offline processes into digital self-service and Straight Through Processing (STP) journeys. • Design digital onboarding journeys leveraging eKYC, Emirates ID, biometrics, OCR, AML screening, sanctions screening and risk scoring. • Partner with Product, Operations, Compliance, Risk, Fraud and Technology teams to define future-state operating models. • Develop BRDs, FRDs, user stories, process flows, customer journey maps and solution blueprints. • Lead process re-engineering initiatives to improve customer experience, efficiency and regulatory compliance. • Identify automation opportunities using AI, workflow platforms and intelligent document processing solutions. • Support strategic initiatives across Wallet, Payments, Lending, Universal Account and Digital Banking domains. • Lead UAT activities and ensure delivered solutions meet business requirements and acceptance criteria. • Drive Agile ceremonies including sprint planning, backlog grooming and release readiness. • Define and monitor KPIs including onboarding conversion, STP rates, turnaround time and operational efficiency. • Provide mentorship and leadership to business analysts and project teams. • Present recommendations, business cases and transformation roadmaps to senior management. Requirements • 10–12+ years of experience in Business Analysis, Product Delivery or Digital Transformation within Banking, Payments or FinTech. • Strong experience in digital onboarding, KYC/KYB, AML, customer due diligence and regulatory compliance. • Proven experience leading process digitization and STP transformation initiatives. • Strong understanding of digital wallets, payments, lending products and API integrations. • Experience with JIRA, Confluence, Figma, Visio and process modelling tools. • Strong stakeholder management and leadership capabilities. • Exposure to AI, Generative AI and intelligent automation technologies. • CBAP, PMI-PBA, Agile or similar certifications preferred. Show more Show less

10–12+ years of experience in Business Analysis, Product Delivery or Digital Transformation within Banking, Payments or FinTech. Strong experience in digital onboarding, KYC/KYB, AML, customer due diligence and regulatory compliance. Proven experience leading process digitization and STP transformation initiatives. Strong understanding of digital wallets, payments, lending products and API integrations. Experience with JIRA, Confluence, Figma, Visio and process modelling tools. Strong stakeholder management and leadership capabilities. Exposure to AI, Generative AI and intelligent automation technologies. CBAP, PMI-PBA, Agile or similar certifications preferred.

Lead end-to-end digital onboarding, KYC/KYB, customer lifecycle and compliance transformation initiatives. Drive conversion of manual and offline processes into digital self-service and Straight Through Processing (STP) journeys. Design digital onboarding journeys leveraging eKYC, Emirates ID, biometrics, OCR, AML screening, sanctions screening and risk scoring. Partner with Product, Operations, Compliance, Risk, Fraud and Technology teams to define future-state operating models. Develop BRDs, FRDs, user stories, process flows, customer journey maps and solution blueprints. Lead process re-engineering initiatives to improve customer experience, efficiency and regulatory compliance. Identify automation opportunities using AI, workflow platforms and intelligent document processing solutions. Support strategic initiatives across Wallet, Payments, Lending, Universal Account and Digital Banking domains. Lead UAT activities and ensure delivered solutions meet business requirements and acceptance criteria. Drive Agile ceremonies including sprint planning, backlog grooming and release readiness. Define and monitor KPIs including onboarding conversion, STP rates, turnaround time and operational efficiency. Provide mentorship and leadership to business analysts and project teams. Present recommendations, business cases and transformation roadmaps to senior management.