Business Analyst

Payments Engineering Business Analyst (Associate / Vice President)

WHO WE ARE

At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets. Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? 

Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative 
collaborators who evolve, adapt to change and thrive in a fast-paced global environment. Transaction Banking (TxB) aims to bring innovative solutions to traditional banking and lending activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their financial goals. We make direct investments in and manage risk for a portfolio of corporate loans and securities. We help transform distressed communities through investments and loans of private capital.

THE TEAM

Payments lay at the heart of what we are doing in Corporate Cash Management and our mission is to build a market leading payment platform that meets our corporate client's needs. We are starting with a clean slate and one singular goal in mind: Build a highly scalable, resilient, 24x7 available cloud-based payment platform that our corporate clients can run rely on to run and grow their businesses.

HOW YOU WILL FULFILL YOUR POTENTIAL

As a Technical Payments Business Analyst (Associate / Vice President) within our Payments Engineering organization, you will bridge the gap between business strategy and technical execution. Leveraging your software engineering or technical background, you will dive deep into the system architecture, understand complex data flows, and translate high-level business and product requirements into robust technical specifications and system designs. You will collaborate closely with developers, architects, product managers, and operations teams to design scalable payment solutions. Your domain expertise in global payment rails and messaging standards (such as ISO 20022) will enable you to guide the engineering team through complex implementations, manage application lifecycles, and coordinate key compliance and attestation processes. This is a highly flexible role with significant growth potential, offering a clear path to transition into technical leadership or management.

RESPONSIBILITIES AND QUALIFICATIONS

Key Responsibilities:
Technical Requirements & Design: Partner with product managers and business stakeholders to elicit requirements, and translate them into detailed technical specifications, system designs, and clear user stories for the engineering team. System & Architecture Understanding: Leverage your technical background to understand system dependencies, data models, and API integrations, ensuring proposed solutions are technically feasible and align with platform architecture. Stakeholder Management: Act as a key liaison and trusted partner between Payments Engineering, Product Management, Operations, and Compliance to align on priorities, manage expectations, and drive delivery. Payment Domain Leadership: Serve as a subject matter expert on payment processing, messaging standards (e.g., ISO 20022), and clearing networks, helping to guide the technical implementation of payment features. Compliance & Attestation Support: Coordinate and support annual scheme attestations, audits, and evidence collection for key payment rails, ensuring the platform meets all regulatory and operational standards. Agile Delivery: Actively participate in and drive Agile ceremonies (Scrum/Kanban), manage the technical backlog, and help unblock developers during the implementation phase.

Basic Qualifications:
Education & Background: B.S. or higher in Computer Science, Software Engineering, or a related technical field (or equivalent practical technical experience).
Experience: Minimum 3 years of professional experience in a technical business analyst, systems analyst, or techno-functional product role within a payments or financial technology environment.
Technical Acumen: Strong understanding of software development lifecycles (SDLC), system architecture, APIs, and data modeling, with the ability to read technical documentation and discuss system designs with developers.
Payments Expertise: Deep knowledge of payment processing, transaction lifecycles, and messaging standards, specifically ISO 20022 and lobal/domestic payment rails.
Stakeholder Management: Proven track record of managing diverse stakeholders, bridging the gap between highly technical engineering teams 
and non-technical business partners.
Agile Methodologies: Comfort working in Agile operating models (practical experience with Scrum / Kanban, Jira, and Confluence).

Preferred Qualifications:
Prior experience as a software developer or systems engineer before transitioning into a business analyst or product role.
Familiarity with UK domestic payment rails (FPS, CHAPS, BACS) and experience handling annual scheme attestations or compliance audits.
Experience with payment vendor products (e.g., Finastra GPP, Volante, Fircosoft) or cloud-native payment architectures (e.g., AWS).
Understanding of payment regulations (e.g., PSD2/PSD3, Open Banking) and AML/sanctions screening.
Ambition and capability to grow into a leadership or people-management role within a fast-paced engineering organization