Business Analyst - Product Sme - Corporate Banking; Commercial Cards

Job Purpose

Lead the development of business requirements for commercial-card products supporting corporate purchasing, travel and expense-management needs.

• Define commercial-card propositions, customer segments, card types and supported business use cases.
• Document end-to-end journeys for corporate onboarding, card issuance, activation, servicing, replacement, suspension and closure.
• Define company-level and cardholder-level limits, merchant-category controls, geographic controls and transaction restrictions.
• Capture requirements for physical and virtual cards, where applicable.
• Define billing, repayment, settlement, fees, statements and reconciliation requirements.
• Document corporate administrator capabilities, cardholder management, approval workflows and expense visibility.
• Define transaction monitoring, disputed-transaction, chargeback, fraud, delinquency and exception-handling requirements.
• Identify integrations with card-management systems, payment networks, core banking, digital channels, fraud systems and reporting platforms.
• Produce the detailed BRD, customer journeys, process flows, business rules, acceptance criteria and traceability matrix.
• Facilitate stakeholder reviews and manage the BRD through approval and sign-off.

• At least 7 years of experience in cards, corporate banking, transaction banking or business analysis.
• Direct experience designing or implementing commercial, corporate, purchasing or virtual-card products.
• Strong understanding of card issuance, authorization, billing, settlement, controls and dispute management.
• Experience working with card-management platforms, processors and payment networks.
• Saudi or GCC cards experience is strongly preferred.

Technology