Form3 (via Otta) - Senior Business Analyst - UK Payments

• Collaborate across product, engineering, operations, and external stakeholders (including customers and scheme bodies) to drive end-to-end delivery of payment solutions. • Producing high-quality, unambiguous requirements (user stories, acceptance criteria, process flows, and functional specifications) that enable efficient and accurate engineering delivery. • Translate product vision into actionable requirements. Collaborating with Europe, US and Platform teams when required. • Act as a Subject Matter Expert for the full UK product suite, offering guidance and clarity to both internal teams and external stakeholders. • Analyse the impact of product changes across customer, operational, and regulatory dimensions, ensuring all edge cases and failure scenarios are understood and addressed. • Develop a strong understanding of the end-to-end payments architecture, including scheme interactions, processing flows, and platform dependencies, to inform solution design and impact analysis. • Awareness and tracking of the evolving UK payments landscape and its impact on Form3’s UK product suite. • Identify, assess, and manage functional and non-functional risks, ensuring solutions meet high standards of resilience, scalability, and regulatory compliance. • Ensure all requirements and solutions align with scheme rules, regulatory obligations, and industry standards. • WE’RE LOOKING FOR 🔍 • WE’RE LOOKING FOR • Essential • Form3’s Product team is a central function within the business, so we are looking for an ambitious and versatile Senior Business Analyst who can act autonomously, whilst also working well as a key player within a wider team. • Strong experience (5–8+ years) as a Business Analyst in payments or financial services • Deep knowledge of UK payment schemes and e2e payments processing (FPS & Bacs) • Understanding of the current and future UK payments landscape and key trends • Experience translating complex requirements into clear, testable specifications • Strong understanding of regulatory and scheme requirements (e.g. Pay.UK scheme rules) • Experience working on high-availability / mission-critical systems • Proven ability to identify risks, dependencies, and edge cases • Desirable • API-first / cloud-native product experience • Experience working with tier 1 banks or payment processors • Experience of UK payment services outside of FPS & BACS such as CHAPS • THE TEAM • Form3’s Product Team are the backbone of our ground-breaking services, holding responsibility for creating and developing real-time, cutting-edge payments technology products for our full scope of financial services customers. Within Form3, Senior Business Analysts do not just document requirements; they are central to innovation, trusted with product ownership tasks and surrounded by a high-calibre team of experts. • This role sits within the UK Product team, where the key focus is to build and run best-in-class payments services. It is a fast-paced, collaborative team, who are proud of Form3’s market-leading UK product offering. • INTERVIEW PROCESS ✍️