AI Business Analyst - Banking and Payments

AI Business Analyst – Banking & Payments

Location: London (Hybrid) | Practice Area: Business Consulting | Type: Permanent

Help banking and payments organisations turn AI opportunities into scalable business solutions.

The Role

Join Capco’s Business Consulting practice as an AI Business Analyst specialising in Banking and Payments, helping clients bridge the gap between emerging AI capabilities and practical business outcomes. This role sits at the intersection of business analysis, AI enablement, and transformation delivery, with a focus on understanding banking and payments challenges, defining AI-driven requirements, and supporting the successful rollout of AI-enabled solutions within highly regulated environments.

You will operate as a key link between business stakeholders, delivery teams, and AI specialists, helping clients structure use cases, analyse operational and customer journeys, define requirements, and support the delivery of AI and agentic workflow solutions across payments, retail banking, commercial banking, and transaction services. The role requires a strong blend of stakeholder engagement, problem solving, requirements analysis, and delivery support, alongside an understanding of how AI technologies can enhance operational efficiency, customer servicing, fraud detection, payments operations, compliance, and decision-making.

Alongside supporting transformation delivery, you will play an important role in helping clients navigate AI adoption responsibly, balancing innovation with governance, operational risk, financial crime considerations, and regulatory change readiness. You will contribute to workshops, process analysis, AI performance insights, and adoption activities, ensuring AI solutions are not only technically viable, but also usable, measurable, and valuable for the business.

What You’ll Do

• Work with stakeholders from Banking and Payments clients to identify, analyse, and define AI-enabled business opportunities, including Generative AI and agentic workflow use cases that improve operational efficiency, customer experience, fraud management, and employee productivity.
• Facilitate workshops, gather and document requirements, define business processes, and support the translation of banking and payments challenges into practical AI solutions and delivery outcomes.
• Support Agile and hybrid delivery programmes by contributing to backlog refinement, user stories, acceptance criteria, stakeholder coordination, reporting, and delivery governance activities.
• Partner with AI engineers, architects, product owners, and delivery teams to support the development, testing, validation, and rollout of AI-enabled capabilities within regulated banking and payments environments.
• Contribute to responsible AI adoption by supporting governance, risk, compliance, reporting, change management, training, and business readiness activities across client organisations.
• Support transformation initiatives across areas such as payments operations, fraud and financial crime, customer servicing, onboarding and KYC, transaction monitoring, reconciliation, lending operations, and digital banking journeys.

What We’re Looking For

• Experience working as a Business Analyst, Consultant, or delivery-focused transformation professional within Banking and Payments environments, including retail banking, commercial banking, transaction banking, cards and payments, or fintech
• Strong stakeholder engagement, requirements gathering, workshop facilitation, and communication skills, with the ability to translate technical concepts into clear business-focused outcomes
• Understanding of AI technologies and the wider AI/ML ecosystem, including GPT, Copilot, Generative AI, agentic workflows, NLP, intelligent automation, or AI-enabled operational processes
• Experience supporting digital, data, payments, or AI-enabled transformation programmes, with exposure to Agile delivery methodologies, business process analysis, and change adoption activities
• Understanding of Banking and Payments operating models, regulatory frameworks, and operational risk considerations, including exposure to areas such as PSD2, Open Banking, financial crime, fraud prevention, customer operations, or payment processing lifecycles
• Analytical and adaptable mindset, with an understanding of governance, responsible AI, operational resilience, and regulatory considerations relating to AI adoption within financial services.

Bonus Points For

• Previous consulting or advisory experience within a professional services environment.
• Experience supporting AI product delivery, workflow automation, customer operations transformation, or agentic AI initiatives within banking or payments organisations.
• Familiarity with SDLC, DevOps, MLOps, enterprise AI platforms, or AI governance frameworks.
• Experience developing reports, dashboards, presentations, or management information to support AI performance tracking and business decision-making.
• Exposure to tools and platforms such as Microsoft Copilot Studio, Power Platform, Power Automate, or enterprise AI ecosystems.
• Understanding of payments infrastructure and ecosystems including cards, faster payments, SWIFT, ISO 20022, merchant acquiring, or digital payments platforms.

Why Join Capco

• Deliver high-impact AI transformation programmes for leading financial services organisations.
• Work in a collaborative, flat, and entrepreneurial consulting culture.
• Access continuous learning, training, and industry certifications.
• Be part of a team shaping the future of AI-enabled business transformation.
• Help organisations unlock the value of AI through practical, people-focused change and innovation.

Benefits

• Core Benefits: Discretionary bonus, competitive pension, health insurance, life insurance and critical illness cover.
• Mental Health: Easy access to CareFirst, Unmind, Aviva consultations, and in-house first aiders.
• Family-Friendly: Maternity, adoption, shared parental leave, plus paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement.
• Holiday Flexibility: 5 weeks of annual leave with the option to buy or sell holiday days based on your needs.
• Continuous Learning: Minimum 40 Hours of Training Annually, plus a Business Coach assigned from Day One to support your development and career growth.

Inclusion at Capco

We’re committed to making our recruitment process accessible and straightforward for everyone. If you need any adjustments at any stage, just let us know – we’ll be happy to help. We value each person’s unique perspective and contribution. At Capco, we believe that being yourself is your greatest strength. Our #BeYourselfAtWork culture encourages individuality and collaboration – a mindset that shapes how we work with clients and each other every day.

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