Senior Business Analyst - Cards and Payments

Senior Business Analyst – Business Cards \& Payments (Analytics, Strategy \& Credit Insights)

Industry

Financial Services / Banking / Payments / Consumer \& Small Business Lending

Work Setting

Corporate strategy \& analytics team \| Fast-paced, cross-functional environment \| Hybrid office-based role

Role Overview

A senior analytics role focused on driving strategy, performance, and decision-making across business card and payments products. The position combines business analysis, credit risk insights, product strategy, and marketing analytics to improve customer experience, profitability, and portfolio performance.

Key Responsibilities

Business Analysis \& Strategy

• Identify business problems and opportunities using data-driven analysis
• Develop strategic and tactical recommendations to improve performance
• Frame problems, build hypotheses, and test solutions using structured analysis

Product \& Pricing Analytics

• Support development of product strategies and pricing models for lending and payments products
• Perform modelling and analytics to optimise product performance and customer value
• Contribute to design of new customer experiences and go-to-market strategies

Credit Risk \& Portfolio Insights

• Analyse credit performance trends and customer behaviour
• Support development and testing of risk models and monitoring frameworks
• Translate historical data into forward-looking risk insights

Marketing \& Customer Insights

• Support targeted marketing strategies and customer segmentation
• Develop insights to improve acquisition, engagement, and retention
• Contribute to design of data-driven marketing initiatives

Execution \& Cross-Functional Collaboration

• Partner with product, finance, operations, IT, and risk teams
• Support implementation of analytical recommendations and business initiatives
• Build monitoring frameworks to track outcomes and performance

Requirements

Education

• Bachelor’s or Master’s degree in a quantitative field (e.g. Finance, Economics, Mathematics, Engineering, Statistics, Computer Science, Business Analytics, or related)

Experience

• 2\+ years experience in business analysis, analytics, or strategy roles
• Experience in quantitative or data-driven problem solving
• Exposure to credit risk, product analytics, or marketing analytics preferred
• Consulting experience is a plus

Technical Skills

• Strong analytical and quantitative modelling skills
• SQL experience preferred
• Familiarity with statistical modelling or data analysis tools
• Experience with large datasets and performance analysis
• Ability to translate data into business insights and recommendations

Core Skills

• Strong problem-solving and structured thinking
• Ability to influence stakeholders and communicate insights clearly
• High attention to detail with strong business judgement
• Ability to work in fast-paced, ambiguous environments
• Results-driven mindset with ownership of execution

Role Focus

• Business strategy \& analytics
• Credit and risk insights
• Product and pricing optimisation
• Marketing and customer analytics
• Cross-functional execution and impact delivery