Senior Business Analyst - UK Payments

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THE ROLE 📝 

This is an exciting opportunity for a Senior Business Analyst to play a key role in shaping and delivering payment products at Form3.  

Working closely with Product Managers and Engineering, you will own the detailed definition and validation of solutions, ensuring product intent is translated into precise, buildable outcomes. 

You will act as a Senior Business Analyst and domain expert working across a mission critical payment product lines.   

You will translate complex customer, regulatory, and internal requirements into high-quality, engineering-ready specifications - ensuring solutions are robust, resilient, and compliant, for a highly regulated environment. 

With previous experience working within product development, you will be supporting the UK Product team to make informed decisions, playing a pivotal role in the critical infrastructure powering payments across the whole of the UK. 

Key Responsibilities 

• 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 🔍 

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 ✍️ 

1. Screening Call with the Talent Team
2. Team Interview with a Senior Business Analyst and Product Manager
3. Zoom Interview with two Heads of Product
4. Executive Review with the Chief Product Officer

We always aim to stick to the above process; however, there may be occasions when an additional interview stage is required for us to be sure we are hiring the right person! 

HIRING LOCATIONS 📍 

For this role, we are currently only able to accept applications from within the United Kingdom. 

ABOUT FORM3 💭 

Revolutionising the world of payments with our cutting-edge technology and innovative solutions. For more information about life at Form3, check out the following pages: 

What we do | Life at Form3 | Benefits | Flexa-verified employer | Podcasts 

OUR DEI&B COMMITMENT 

We hire talented people from a variety of backgrounds and experiences and are committed to a work environment based on diversity, open-mindedness and curiosity. We’re united by our company values (we even created them together!) and we celebrate our unique differences. 

Our employee lifecycle processes are designed to embrace equal opportunity and prevent discrimination against our people regardless of personal characteristics. It is our strong belief that the more inclusive and belonging we are as a business, the better our work will be. 

As an inclusive employer, we guarantee to interview all neurodiverse and physically disabled applicants who meet the minimum criteria for this role. We also encourage candidates to notify us of any reasonable adjustments that may be required during the recruitment process. This includes providing job adverts in alternative, accessible formats or adjustments required at interview stage. 

If you consider yourself to be neurodiverse or physically disabled under the UN definition of disability and would like to be considered under this scheme and/or require any reasonable adjustments please let us know by sending an email to careers@form3.tech clearly stating your consent for us to process this data. For more information please refer to our Recruitment Data Policy.