Business Analyst

About ENBD

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 9 million customers. Emirates NBD is the leading financial services brand in the UAE with a Brand value of approximately USD 4 billion. We serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With over half a million users, it continues to be the fastest-growing digital bank in the region.

Job Overview:

As a Business Analyst at Emirates NBD, your role is to drive end-to-end delivery of digital banking initiatives within the Everyday Banking tribe by combining business analysis, product support, and testing expertise. The role ensures seamless implementation, high-quality customer experience, and strong coordination across cross-functional teams and stakeholders.

Key Responsibilities

• Define and communicate the product vision and strategy for assigned propositions and journeys, ensuring the product experience is aligned with best practices in mobile UX and banking controls.
• Partner with development teams to deliver high-quality product increments; participate in sprint planning, daily stand-ups, and retrospectives.
• Define, monitor, and continuously optimize key performance indicators (KPIs) for product success including adoption, funnel conversion, retention, serviceability, and revenue impact.
• Regularly review performance dashboards, conduct root cause analysis on performance gaps, and lead corrective initiatives.
• Own end-to-end business analysis for assigned initiatives, from requirement gathering to documentation and validation, ensuring alignment with business, financial, and operational logic.
• Translate regulatory, compliance, and risk requirements into clear functional and system specifications; conduct detailed impact assessments and define user stories and acceptance criteria.
• Prioritize features and enhancements based on user feedback, business value, regulatory constraints, performance data and market trends; create, manage, and prioritize the product backlog.
• Collaborate closely with designers, architects, and developers to ensure feasible and value-driven solutions; work closely with UX/UI designers to create intuitive and engaging experiences.
• Monitor product KPIs including funnel drop-offs, adoption, and operational efficiency; propose data-driven improvements.
• Support business stakeholders during UAT and post-release phases; monitor platform performance and report production issues in coordination with IT teams.
• Review test cases (functional, integration, regression); log, track, and retest bugs in collaboration with QA and development teams; perform data validations and assist in automation testing efforts.
• Ensure data accuracy and alignment between business reporting, analytics dashboards, and production behavior.
• Use experimentation and data-driven methodologies such as A/B testing and cohort analysis to validate hypotheses and improve outcomes.
• Stay informed about industry trends, competitor offerings, and emerging digital banking practices.
• Maintain deep working knowledge of UAE payment rails and regulatory frameworks, including UAEFTS, SWIFT/TT, AANI (IPP), and card payment schemes; stay current with CBUAE, AML/CTF, and PCI-DSS requirements as they apply to product features.
• Translate payment scheme and regulator mandates such as CBUAE circulars and UAEFTS/AANI rule changes into actionable business and system requirements ahead of compliance deadlines.
• Liaise with Compliance, Risk, and Legal teams to validate that payment and transfer journeys meet regulatory obligations before release, including sign-off on control points and audit trails.
• Possess strong domain and digital banking knowledge in payments architecture, transfer processing flows, and mobile/digital UX to bridge technical, business, and regulatory stakeholders effectively.

Skills and Experience

• Bachelor’s degree in Computer Science, Business, or related field

• 6+ years of experience in a similar role across digital or banking environments

• Hands-on experience with JIRA, Confluence, and Agile delivery

• Proficiency in test scenario identification/writing and defect tracking

• Familiarity with digital banking platforms and industry best practices

• Understanding of APIs, process mapping, and customer journey design

• CSPO, Any certification relevant to Business Analysis

There’s never been a better time to join Emirates NBD.

We’re one of the region’s most recognisable brands. We’re banking innovation leaders. We’re growing across both the UAE and our global offices. We offer a huge range of professional development opportunities to accelerate your career. It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits.

At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.