VP2 Functional Business Analyst (Stablecoin/CBDC), GWBGMTO

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

1) Requirements Analysis & Elicitation (Stablecoin / CBDC scope)

• Collaborate with business stakeholders and Payments BAs to elicit and validate business requirements for tokenised money use cases (e.g., issuance/minting, redemption/burning, transfers, on/off ramp, settlement, reconciliation).
• Analyse and document “to-be” processes and conduct impact assessment across channels, operations, settlement, reporting, risk controls, and downstream systems.
• Define detailed functional and non-functional requirements covering: wallet and account linking models; address management and whitelisting/blacklisting; authentication/authorisation and entitlements; maker-checker, limits, and approvals; compliance controls (screening triggers, audit trail, monitoring, reporting); data requirements (event logging, traceability, extracts); resiliency and operational readiness requirements.
• Identify, monitor, and manage requirement risks/issues and proactively prevent scope creep.

2) Digital Channels – End-to-End Journey Ownership

• Own end-to-end channel journeys for Project Beacon capabilities across relevant digital platforms (e.g., corporate portal, mobile, APIs) including initiation, confirmation, receipts, history/status, and exception handling.
• Define multi-role journeys (initiator/approver/admin), entitlements, and service-request flows aligned to corporate controls.
• Work with UX and Technology to ensure journeys are intuitive, compliant, scalable, and aligned with payments/tokenised-money domain constraints.

3) Target Operating Model (TOM) & Run-State Design

• Develop / contribute to the Target Operating Model jointly with Payments BA and Operations: process flows, RACI, controls, SLAs, handoffs, exception management, and reconciliation.
• Define Day-2 run-state needs: monitoring, incident response, user support, investigation flows, and audit-ready evidence/logging requirements.
• Support change impact assessment from current state to target state for people, process, and technology.

4) Team Collaboration & Delivery Support

• Transition requirements to System Analysts and Engineering teams with clear traceability, acceptance criteria, and a maintainable knowledge base.
• Work with Test Manager/UAT to translate requirements into test scenarios and ensure coverage for wallet lifecycle events, entitlements/approvals, limits, compliance triggers, negative flows, edge cases, and operational exceptions.
• Provide Train-the-Trainer enablement and support operational readiness for go-live.

5) Testing, Defect Triage & Scope Management

• Review and validate test cases; clarify test findings and classify as defect vs. change request.
• Perform impact assessment and estimation for change requests, supporting release decisions and deployment planning inputs.
• Write functional release notes and contribute to deployment and cutover planning.

6) Stakeholder Management & Governance

• Act as a single point of accountability for functional clarity across business, payments, and technology stakeholders.
• Challenge requirements constructively by pushing back on unnecessary complexity and proposing alternative, industry-aligned solutions.
• Maintain strong governance on requirements baseline, traceability, and sign-off readiness.

Experience & Background

• Bachelor’s degree in Engineering, Business, Finance, or equivalent.
• Minimum 10+ years of relevant banking and/or consulting experience with strong exposure to Business Analysis roles.
• Strong analytical, problem-solving, and process design skills with ability to translate analysis into solutions that meet business objectives.
• Good understanding of technology and operational processes across banking functions; familiar with change management and project delivery fundamentals.
• Strategic forward-thinking approach to challenges with strong communications, influencing, negotiating, and stakeholder management skills.
• Passionate, diligent, resilient; ability to thrive in ambiguity and deliver under tight timelines.

Domain (Project Beacon)

Mandatory:

• 8–15 years’ experience in Business Analysis / Functional Analysis.
• 5+ years’ experience in Digital Channels and Transaction Banking / Payments.
• Strong capability in capturing and elaborating requirements (e.g., JIRA user stories) and Agile product/project delivery experience.
• Working knowledge of CBDC concepts (retail/wholesale models, settlement constructs, roles of intermediaries).
• Working knowledge of stablecoin concepts (issuance/redemption lifecycle, transfer and settlement flows, governance and controls at a conceptual level).
• Working knowledge of wallet concepts (custodial vs. non-custodial at a conceptual level, address management, authorisation/signing concepts).
• Ability to design end-to-end channel journeys, acceptance criteria, and operational flows including exceptions and reconciliation touchpoints.

Nice to have:

• Knowledge of payments and regulatory differences across Singapore, Malaysia, and Hong Kong.
• Awareness of competitor offerings (e.g., DBS / Citi) and digital banking trends for channels and payments.
• API and/or SWIFT integration exposure; experience with platform integration patterns and data flow mapping.
• Exposure to tokenisation platforms / DLT-based settlement initiatives and operationalisation of new rails.

Personal Qualities

• Articulate communicator with thought leadership; able to engage CXO stakeholders with confidence.
• Not an order-taker; able to challenge and simplify complex build needs and propose alternatives/best practices.
• Strong team player who collaborates effectively with other BAs and cross-functional teams.
• Strong presentation and meeting facilitation skills; structured documentation approach.
• Highly proactive, resourceful, and self-motivated; thrives in a fast-paced environment and meets deadlines.

Additional Requirements

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

Apply now and make a Difference