Position: Business Analyst – Digital Banking & Mobile JourneysLocation: Riyadh, KSA.Employment Type: Full-timeExperience Required: 8+ yearsIndustry: Financial Technology (FinTech), Digital BankingRole Overview:We are looking for a highly skilled Business Analyst (BA) with deep expertise in mobile interfaces, digital banking, and financial technology. The ideal candidate will have a strong understanding of user journeys, customer onboarding, and transactional experiences within digital banking ecosystems. This role requires a blend of analytical thinking, UX awareness, and fintech product knowledge to bridge business needs with technology solutions.Key Responsibilities:1. Business Analysis & Digital Journey Optimization • Analyze, document, and refine end-to-end mobile banking user journeys to enhance customer experience and drive adoption. • Identify pain points and friction areas in mobile banking flows, including onboarding, payments, lending, and card management. • Collaborate with product managers, designers, and engineering teams to translate business needs into functional requirements. • Conduct competitive benchmarking and identify best practices in mobile banking experiences.2. Mobile UX & Interface Expertise • Work closely with UX/UI designers to ensure seamless, intuitive, and user-centric mobile experiences. • Define requirements for mobile app interfaces, navigation flows, and micro-interactions that improve engagement and usability. • Conduct usability testing and analyze customer feedback to iterate on mobile journey improvements.3. FinTech & Regulatory Compliance Understanding • Strong knowledge of banking regulations, compliance (e.g., SAMA, DIFC, FCA), KYC, AML, and Open Banking. • Ensure that all digital journeys align with compliance, risk, and security frameworks for financial institutions. • Work with technical teams to integrate APIs, third-party fintech solutions, and payment gateways.4. Data-Driven Decision Making & Performance Monitoring • Define key KPIs for digital journeys and track performance metrics such as conversion rates, drop-offs, and engagement. • Utilize analytics tools (Google Analytics, Mixpanel, AppDynamics) to extract insights and recommend optimizations. • Work with data teams to enable personalized banking experiences through behavioral analytics and AI-driven insights.5. Stakeholder Collaboration & Agile Delivery • Act as a bridge between business, product, design, and development teams to ensure smooth execution of digital banking initiatives. • Work in an Agile/Scrum environment, writing user stories, acceptance criteria, and ensuring backlog refinement. • Conduct workshops and training sessions for internal teams on digital banking best practices.Key Requirements:Experience & Skills: • 8+ years of experience as a Business Analyst in fintech, banking, or a related digital domain. • Proven expertise in mobile app user journeys, interfaces, and customer experience strategies. • Deep understanding of digital banking products such as credit cards, loans, payments, remittances, and wealth management. • Strong knowledge of financial technology trends, including embedded finance, open banking, BNPL, and AI-driven banking. • Ability to define and optimize customer onboarding flows, KYC verification, and self-service experiences. • Experience working with API-based banking architectures, payment integrations, and third-party fintech services. • Proficiency in JIRA, Confluence, Figma, Miro, Google Analytics, Mixpanel, or similar tools.Soft Skills: • Strong analytical and problem-solving skills with a keen eye for optimizing user journeys. • Excellent communication and stakeholder management abilities. • Detail-oriented with a structured approach to documentation, workflows, and business cases. • Agile mindset with experience working in fast-paced, cross-functional teams.Nice to Have (Bonus): • Experience in Conversational AI/NLP-driven banking interfaces. • Knowledge of Personal Financial Management (PFM) and AI-driven insights in banking apps. • Prior experience in Neo-banking, Challenger Banks, or Digital Wallets.Why Join Us? • Be part of an innovative fintech team shaping the future of digital banking. • Work on high-impact digital banking products that enhance customer experience. • Exposure to cutting-edge fintech solutions, AI-driven banking, and Open Banking initiatives. • Competitive salary, benefits, and a dynamic work environment.