Senior Business Analyst – Cards & Digital Banking

Job Title – Senior Business Analyst – Cards & Digital Banking Company – TCS (MEA) Location – Dubai Job type – Full time About Us: Tata Consultancy Services (TCS) is an IT services, consulting and business solutions organization that has been partnering with many of the world’s largest businesses in their transformation journeys for over 50 years. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. This is delivered through its unique Location Independent Agile™ delivery model, recognized as a benchmark of excellence in software development. A part of the Tata group, India's largest multinational business group, TCS has over 616,171 of the world’s best-trained consultants with 157 nationalities in 53 countries. For more information, visit www.tcs.com and follow TCS news at @TCS_News. Job Description: Key Responsibilities Business Analysis & Requirement Management • Gather, analyze, and document business requirements through stakeholder workshops and interviews. • Prepare BRD, FRD, User Stories, Use Cases, Process Flows, and Functional Specifications. • Conduct requirement walkthroughs and obtain business signoffs. • Perform impact analysis for new initiatives and system changes. • Facilitate prioritization of business requirements. • Lead business analysis activities for: Credit Cards Cards & Payments Domain Expertise • Debit Cards • Prepaid Cards • Merchant Acquiring • ATM/POS Channels • Digital Payments • Strong understanding of card lifecycle management including: Card Origination • Embossing & Personalization • Authorization • Clearing & Settlement • Chargebacks & Disputes • Loyalty & Rewards • Fraud Management Powercard & Fiserv Platform Consulting #Act as SME for Powercard and Fiserv solutions. #Analyze and configure business requirements within the cards ecosystem. • Support integration requirements with: Core Banking Systems • Financial Switches • Payment Gateways • CRM Platforms • Mobile & Internet Banking Channels • Collaborate with technology teams on system enhancements and releases. Techno-Functional Leadership • Translate business needs into technical requirements. • Review APIs, interfaces, data mappings, and integration specifications. • Work closely with Solution Architects, Developers, QA, and Vendors. • Support solution design reviews and validation activities. • Participate in architecture discussions and technology assessments. Testing & Implementation Support • Define test scenarios and acceptance criteria. • Support SIT, UAT, and Go-Live activities. • Coordinate defect management and resolution. • Conduct business readiness and operational acceptance activities. Stakeholder Management • Engage with Business, Operations, Risk, Compliance, IT, and External Vendors. • Drive workshops, governance meetings, and steering discussions. • Present recommendations to senior management and business stakeholders. Required Skills Functional Skills • Strong Banking and Financial Services domain experience. • Expertise in Cards & Payments. • Knowledge of Retail Banking processes. • Digital Banking channel understanding. • Regulatory and compliance awareness. Technical Skills • Powercard Platform • Fiserv Solutions • API & Microservices understanding • SQL and Data Analysis • Integration Architecture • REST/SOAP Services • Enterprise Application Integration Documentation Skills • BRD • FRD • User Stories • Process Maps • Functional Specifications • Data Mapping Documents • UAT Test Scenarios Desired Banking Product Experience • Powercard • Fiserv • FinOne • Temenos T24 • Finacle • Flexcube • CRM Platforms • Loan Origination & Loan Management Systems Qualifications • Bachelor’s degree in computer science, Engineering, Finance, Banking, or related discipline. • CBAP, PMI-PBA, Scrum Product Owner, or Agile certifications preferred. Key Competencies • Strong analytical and problem-solving skills. • Excellent communication and stakeholder management. • Ability to work with cross-functional teams. • Strong presentation and documentation abilities. • Leadership and mentoring capabilities. Preferred Experience • Experience in UAE/GCC banking sector. • Worked on large-scale Cards Transformation or Digital Banking programs. • Exposure to Islamic Banking products and processes. • Experience interacting with business, operations, and technology teams in complex banking environments. Application Deadline: 1st-Oct-2026 Privacy Note: • https://www.tcs.com/connect-with-tcs/privacy-policy Show more Show less

Bachelor’s degree in computer science, Engineering, Finance, Banking, or related discipline. CBAP, PMI-PBA, Scrum Product Owner, or Agile certifications preferred.

Business Analysis & Requirement Management: Gather, analyze, and document business requirements through stakeholder workshops and interviews. Prepare BRD, FRD, User Stories, Use Cases, Process Flows, and Functional Specifications. Conduct requirement walkthroughs and obtain business signoffs. Perform impact analysis for new initiatives and system changes. Facilitate prioritization of business requirements. Lead business analysis activities for: Credit Cards. Cards & Payments Domain Expertise: Debit Cards, Prepaid Cards, Merchant Acquiring, ATM/POS Channels, Digital Payments, Card lifecycle management including Card Origination, Embossing & Personalization, Authorization, Clearing & Settlement, Chargebacks & Disputes, Loyalty & Rewards, Fraud Management. Powercard & Fiserv Platform Consulting; act as SME for Powercard and Fiserv solutions. Analyze and configure business requirements within the cards ecosystem. Support integration requirements with Core Banking Systems, Financial Switches, Payment Gateways, CRM Platforms, Mobile & Internet Banking Channels. Collaborate with technology teams on system enhancements and releases. Techno-Functional Leadership: Translate business needs into technical requirements. Review APIs, interfaces, data mappings, and integration specifications. Work closely with Solution Architects, Developers, QA, and Vendors. Support solution design reviews and validation activities. Participate in architecture discussions and technology assessments. Testing & Implementation Support: Define test scenarios and acceptance criteria. Support SIT, UAT, and Go-Live activities. Coordinate defect management and resolution. Conduct business readiness and operational acceptance activities. Stakeholder Management: Engage with Business, Operations, Risk, Compliance, IT, and External Vendors. Drive workshops, governance meetings, and steering discussions. Present recommendations to senior management and business stakeholders.