Business Analyst

3 weken geleden

Amsterdam, Noord-Holland, Nederland HCL Technologies B.V. Netherland Voltijd

Job Role- Business Analyst( Savings & Current Accounts)

Location -Amsterdam, Netherlands

Job Description:

Key Responsibilities:

1. Business & Requirements Analysis


• Gather, analyze, and document business requirements for savings and current account products.


• Work with stakeholders to define business rules, interest calculations, overdraft policies, and transaction processing.


• Perform gap analysis to identify inefficiencies in existing account management processes.


• Define workflows for account opening, closure, upgrades (e.g., premium accounts), and joint accounts.


• Support implementation of new features, such as instant payments, overdraft protection, and savings automation.

2. Savings & Current Account Business Knowledge

A. Savings Accounts:


• Types of Savings Accounts:


• Regular savings accounts


• Fixed deposit accounts (term deposits)


• High-interest savings accounts


• Tax-free savings accounts (depending on regulations)


• Flexible savings (withdrawals without penalties)


• Key Features & Business Considerations:


• Interest rate models (fixed vs. variable rates)


• Minimum balance and deposit requirements


• Auto-savings & goal-based savings features


• Liquidity management and penalty structures for withdrawals


• Integration with investment & wealth management products


• Regulatory aspects (e.g., Deposit Guarantee Scheme (DGS) compliance)

B. Current Accounts (Checking Accounts):


• Types of Current Accounts:


• Personal current accounts (standard transaction accounts)


• Business current accounts


• Premium/Exclusive banking accounts


• Student & youth accounts


• Joint accounts


• Key Features & Business Considerations:


• Account fees, overdraft limits, and interest on balances


• Debit card & contactless payment integration


• Transaction processing & real-time payments (e.g., SEPA, SWIFT, iDEAL, Instant Payments)


• Account-linked services (loans, credit cards, budgeting tools)


• Fraud detection & transaction security (AML/KYC compliance)

3. Digital Banking & Innovation


• Support enhancements in online banking, mobile banking, and API-driven banking.


• Work on open banking & PSD2 integrations, allowing third-party services to connect with accounts.


• Identify opportunities for automation in customer onboarding and account servicing.


• Analyze customer behavior and propose features like round-up savings, AI-driven financial advice, or budgeting tools.

4. Compliance & Regulatory Requirements


• Ensure solutions comply with EU banking regulations, including:


• PSD2 (Payment Services Directive 2) & Open Banking


• Anti-Money Laundering (AML) & Know Your Customer (KYC)


• GDPR (General Data Protection Regulation) for customer data privacy


• Deposit Guarantee Scheme (DGS) regulations


• FATF (Financial Action Task Force) compliance for international transactions

5. Agile & Stakeholder Collaboration


• Work in Agile (Scrum) teams, contributing to backlog refinement and sprint planning.


• Collaborate with IT, Operations, Risk, Legal, and Customer Support teams to implement solutions.


• Participate in User Acceptance Testing (UAT) and provide feedback for product improvements.

Required Skills & Qualifications:

1. Education: Bachelor's/Master's degree in Finance, Business, IT, or related fields.

2. Experience: 8+ years in banking, fintech, or financial services as a Business Analyst.

Banking Knowledge:


• Strong understanding of savings & current account products, transaction processing, overdrafts, and interest structures.


• Experience with SEPA, SWIFT, Open Banking APIs, and Digital KYC/AML regulations.


• Knowledge of core banking systems (e.g., Finacle, Temenos, or client's internal platforms).

3. Technical Skills:


• Ability to work with SQL, APIs, and Business Process Modeling (BPMN, UML).


• Familiarity with Agile tools like Azure DevOps (similar to JIRA), Confluence.

4. Soft Skills:


• Strong analytical, problem-solving, and stakeholder management skills.


• Excellent communication in English (Dutch is a plus).

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