Senior Business Analyst - UK Payments

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)