Principal Business Analyst – Digital Onboarding&Process Transformation

• Lead end-to-end digital onboarding, KYC/KYB, customer lifecycle and compliance transformation initiatives. • Drive conversion of manual and offline processes into digital self-service and Straight Through Processing (STP) journeys. • Design digital onboarding journeys leveraging eKYC, Emirates ID, biometrics, OCR, AML screening, sanctions screening and risk scoring. • Partner with Product, Operations, Compliance, Risk, Fraud and Technology teams to define future-state operating models. • Develop BRDs, FRDs, user stories, process flows, customer journey maps and solution blueprints. • Lead process re-engineering initiatives to improve customer experience, efficiency and regulatory compliance. • Identify automation opportunities using AI, workflow platforms and intelligent document processing solutions. • Support strategic initiatives across Wallet, Payments, Lending, Universal Account and Digital Banking domains. • Lead UAT activities and ensure delivered solutions meet business requirements and acceptance criteria. • Drive Agile ceremonies including sprint planning, backlog grooming and release readiness. • Define and monitor KPIs including onboarding conversion, STP rates, turnaround time and operational efficiency. • Provide mentorship and leadership to business analysts and project teams. • Present recommendations, business cases and transformation roadmaps to senior management. • 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, customer due diligence and regulatory compliance. • Proven experience leading process digitization and STP transformation initiatives. • Strong understanding of digital wallets, payments, lending products and API integrations. • Experience with JIRA, Confluence, Figma, Visio and process modelling tools. • Strong stakeholder management and leadership capabilities. • Exposure to AI, Generative AI and intelligent automation technologies. • CBAP, PMI-PBA, Agile or similar certifications preferred.