Principal Business Analyst – Digital Onboarding & Process Transformation

The company is seeking an experienced Principal Business Analyst – Digital Onboarding & Process Transformation. This role is focused on leading strategic business transformation initiatives across the Wallet and Banking ecosystem. Responsibilities include 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.
• Transform manual and offline processes into digital self-service and Straight Through Processing (STP) journeys.
• Design digital onboarding journeys using eKYC, biometrics, and AML screening.
• Collaborate with various teams to define future-state operating models.
• Develop BRDs, FRDs, user stories, process flows, and customer journey maps.
• Oversee process re-engineering initiatives to enhance customer experience and regulatory compliance.
• Identify automation opportunities using AI and intelligent document processing.
• Support strategic initiatives in Wallet, Payments, Lending, and Digital Banking.
• Lead UAT activities to ensure solutions meet business requirements.
• Conduct Agile ceremonies including sprint planning and backlog grooming.
• Define and monitor KPIs related to onboarding conversions and operational efficiency.
• Mentor and lead business analysts and project teams.

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, and compliance.
• Proven track record in process digitization and STP transformation.
• Familiarity with digital wallets, payments, lending products, and API integrations.
• Experience with JIRA, Confluence, Figma, Visio, and process modeling tools.
• Strong stakeholder management and leadership skills.
• Awareness of AI and automation technologies.
• Relevant certifications such as CBAP, PMI-PBA, or Agile preferred.