BUSINESS ANALYST - CORPORATE BANKING (LIQUIDITY & CASH MANAGEMENT)

Job Purpose

The Business Analyst will act as the critical link between the Corporate Banking business (Liquidity & Cash Management) and Technology/Operations teams, translating business needs into clear functional requirements. The role supports the design, delivery, and continuous improvement of cash management products — including domestic and cross-border payments, liquidity structures (pooling, sweeping, notional pooling), virtual accounts, and digital banking channels — ensuring solutions meet client needs, regulatory requirements (SAMA), and internal risk/control standards.
Key Responsibilities

- Gather, analyze, and document business and functional requirements from Corporate Banking stakeholders for Liquidity & Cash Management products and platforms (e.g., host-to-host, API banking, virtual IBAN, liquidity pooling, sweeping structures).

- Act as a liaison between Business, IT, Operations, and third-party vendors throughout the project lifecycle — from requirements gathering through UAT and post-implementation support.

- Produce Business Requirement Documents (BRDs), Functional Specification Documents (FSDs), process flow diagrams, and user stories for change initiatives and new product launches.

- Support end-to-end delivery of cash management initiatives including cash pooling, sweeping/topping arrangements, notional pooling, and multi-currency account structures.

- Conduct gap analysis between current and target operating models, identifying process inefficiencies and automation opportunities.

- Collaborate with Product Managers to support the design and rollout of new liquidity management solutions aligned with client and market demands.

- Work closely with Compliance and Risk teams to ensure new products/features comply with SAMA regulations and internal governance frameworks.

- Coordinate and support User Acceptance Testing (UAT), including test case preparation, defect tracking, and sign-off coordination.

- Analyze transaction and liquidity data to identify trends, client behavior, and areas for product enhancement.

- Support RFP responses, client onboarding requirements, and due diligence documentation for corporate clients using liquidity/cash management services.

- Prepare MI reports, dashboards, and presentations for senior management on project status, product performance, and client usage.

- Maintain up-to-date process documentation and ensure knowledge transfer to Operations and support teams.

Required Qualifications

- Bachelor's degree in Finance, Business Administration, Economics, Information Systems, or a related field.

- Professional certification such as CBAP, CCM (Certified Cash Manager), or CTP (Certified Treasury Professional) is an advantage.

Experience

- Minimum 3–7 years of experience as a Business Analyst within Corporate/Transaction/Wholesale Banking, with specific exposure to Cash Management and/or Liquidity Management products.

- Proven experience working on cash management platforms (e.g., host-to-host connectivity, SWIFT, API banking, virtual accounts, liquidity structures).

- Experience working within Saudi or GCC banking environments preferred; familiarity with SAMA regulatory requirements is highly desirable.

- Experience with Agile/Scrum delivery methodology as well as traditional Waterfall project environments.

- Track record of managing relationships with cross-functional stakeholders (Product, IT, Operations, Compliance, Risk).

Skills & Competencies

- Strong understanding of corporate banking liquidity concepts: cash pooling, sweeping, notional pooling, multi-currency/multi-entity structures, interest optimization.

- Solid grasp of payment rails and cash management infrastructure (SARIE, SWIFT, RTGS, ACH, host-to-host, API connectivity).

- Excellent business requirements gathering, process mapping, and documentation skills (BRD/FSD, BPMN, UML basics).

- Strong analytical and problem-solving skills with the ability to interpret complex data and process