About ENBD
Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Trkiye) 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 - Business Banking at Emirates NBD, your role is to collaborate with the Product Owner to design and deliver seamless SME lending journeys, with a strong focus on credit assessment and risk evaluation. Leveraging expertise in SME financing and agile delivery, the role will drive data-driven, AI-enabled solutions that simplify credit access and lifecycle management. Working closely with product teams, RMs, VRMs, Credit Risk, Analytics, and Technology teams, the analyst will ensure innovative, customer-centric lending experiences that support SME growth.
Key Responsibilities
Product Development & Agile DeliveryAssist the Product Owner in requirements elicitation and backlog grooming.
- Write clear, concise, and technically sound user stories with well-defined acceptance criteria.
- Act as a Functional Test Lead, validating that delivered features meet business expectations.
- Participate in agile ceremonies including sprint planning, daily stand-ups, sprint reviews, and retrospectives.
- Collaborate with UX/UI designers to ensure intuitive and user-centric design.
AI-First Strategy & Tech Enablement
- Support the integration of AI tools and capabilities into RM/VRM workflows.
- Demonstrate working knowledge of AI tools and their application in business banking.
- Work with Advanced Analytics teams to translate insights into actionable features.
Stakeholder CollaborationEngage with cross functional teams, RMs, VRMs, and business stakeholders to understand pain points and opportunities.
- Coordinate with developers, architects, and QA teams to ensure alignment and delivery.
- Facilitate communication between business and technical teams to resolve issues and clarify requirements.
Quality Assurance & TestingConduct comprehensive production sanity checks involving pilot clients prior to launch.
- Define and execute test cases based on acceptance criteria.
- Act as a gatekeeper for user story certification, ensuring all conditions are met before release.
Continuous ImprovementMonitor KPIs and product performance metrics post-launch.
- Iterate on user stories and backlog items based on feedback and evolving business needs.
- Document lessons learned and contribute to process improvements.
- Analyze and understand complex technology ecosystems, identifying opportunities for integration and enhancement.
- Collaborate with IT and business teams to align technology solutions with business objectives.
- Stay up-to-date with the latest trends and advancements in technology ecosystems, providing insights and recommendations for continuous improvement.
- Utilize your in-depth knowledge of banking processes and systems to analyze, design, and optimize business workflows.
- Serve as a subject matter expert on banking regulations, compliance, and operational procedures.
- Collaborate with stakeholders to gather and define business requirements, translating them into functional specifications and technical user stories.
- Establish and manage relationships with third-party service providers, ensuring their services align with business needs and regulatory requirements.
- Collaborate with fintech partners to integrate innovative solutions into the bank's technology ecosystem.
- Engage with government organizations to ensure compliance with regional regulations and leverage governmental support for technological initiatives.
- Ideas and out of the box solutions
- Contribute to innovation with initiation of new features and products as part of product rollouts/upgrade.
Skills and Experience
- Bachelor's degree in Business, Information Systems, Computer Science, or related field.
- Minimum 3 years of experience in program or project management, preferably in banking or fintech.
- Familiarity with AI tools and their practical application in business contexts.
- Exposure to the Middle East banking market is highly desirable, especially in the space of SME.
- Ability to translate business discussions for technical teams and likewise, technical discussions for business stakeholders
- Strong understanding of banking processes, systems, and regulatory requirements, particularly within the Middle East.
- Demonstrated experience working in an Agile environment and familiarity with Agile methodologies.
- Proficiency in tools such as JIRA, Confluence, and other Agile project management tools
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.
