Payments Business Analyst

We are looking for a Payments Business Analyst with strong understanding of payment processing, ledgering, messaging standards and data. The role requires someone who can translate payment flows and business requirements into clear functional/data specifications, while being comfortable working directly with databases and Databricks to perform data analysis and validation.

Experience

7+ years

Locations

Bournemouth and Glasgow.

Key Responsibilities

Strong understanding of end-to-end Payment processing , including payment lifecycle, clearing, settlement and ledger/bookkeeping flows.

Good knowledge of ISO 20022, SEPA and payment messaging formats , including mapping between different message/data structures.

Understand ledgering/posting concepts and trace transactions across payment and accounting systems.

Connect to databases and Databricks and independently query data using SQL for analysis and investigation.

Perform data validation and reconciliation across source, intermediate and target systems.

Analyse existing data models, database tables, APIs/messages and define appropriate source-to-target mappings.

Create detailed functional specifications, data mappings, field-level rules and acceptance criteria.

Work closely with Product, Engineering and QA teams to translate business requirements into implementable technical specifications.

Support AI and specification-driven development , helping create structured requirements/specifications that can be consumed effectively by AI-assisted engineering processes.

Analyse defects and production issues through data interrogation and transaction tracing.

Perform/support functional, data and integration testing , including validation of payment messages and ledger entries.

Support developers and testers during implementation, testing and production validation.

Key Skills

Must Have

Payments Business Analysis

Payments lifecycle & transaction processing

Ledgering / accounting postings

ISO 20022

SEPA

Payment messaging formats

Databricks / data analysis

Source-to-target mapping

Functional & data specifications

Requirement analysis and acceptance criteria.

Good to Have