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Midland Credit Management, an Encore Capital Group Company

Business Analyst

West Malling
Posted about 20 hours ago
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About the Role

Are you naturally curious and know how to ask the right questions, challenge thinking constructively, and are able to influence stakeholders to drive meaningful change?

We're looking for two Business Analysts to join our team here at Cabot Financial, where you’ll play a pivotal role in delivering business and technology change across our organisation. You’ll take ownership of initiatives from discovery through to implementation, partnering with business stakeholders, Product Managers, and technical teams to define requirements, shape solutions, and ensure successful delivery.

This is an ideal opportunity for a self-sufficient and detail-oriented Business Analyst with experience in financial services who enjoys building strong relationships, navigating complex challenges, and seeing change through from concept to completion.

What you can expect as a Business Analyst:

  • Permanent position
  • Hybrid role from our Kings Hill office, ME19 4UA.
  • Competitive salary and a fantastic bonus scheme.
  • Great benefits including, discount and cash back on hundreds of high-street shops and private health insurance, plus much more.

Key Responsibilities

  • Lead business change initiatives through the full project lifecycle, from discovery and requirements gathering through to implementation and post-release support.
  • Work closely with business and IT stakeholders to understand needs, define requirements, and translate them into clear user stories and acceptance criteria.
  • Collaborate with Product Managers, Developers, Testers, Architects, and Operations teams to design effective business and technology solutions.
  • Document and analyse current and future state processes, ensuring solutions deliver measurable business value.
  • Refine and manage product backlogs within Azure DevOps, ensuring work is prioritised and ready for delivery within Agile sprints.
  • Support testing activities, including UAT planning and execution, defect triage, and business readiness activities.
  • Produce and maintain high-quality process, solution, and project documentation, including knowledge transfer and training materials.
  • Contribute to Agile ceremonies, continuous improvement initiatives, and the development of Business Analysis best practices across the organisation.
  • Provide regular updates to stakeholders and Programme Managers, ensuring risks, dependencies, and progress are effectively communicated.

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I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?

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Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.

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Graduate Consultant — 2026 Scheme

PwC·London, UK
£35,000/yr

Why you're a good match

Strong

Your economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.

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It searches the market for you

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Why you're a good match

You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.

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Strong

Experience fit

Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.

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Only hits

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We are looking for someone with:

Knowledge & Experience

  • Awareness & experience of business and data analysis tools and techniques such as: requirements elicitation, structured analysis and design, process mapping and component business modelling, business process re-engineering.
  • Experience of change management principles.
  • Demonstrates excellent communication skills both written and verbal using a variety of methods, the ability to get the message across and relative to the audience.
  • Fosters professional relationships, listens, encourages discussion and promotes two-way communication.
  • Establishes responsible deadlines and personal work plans and manages time effectively.
  • Excellent planning and organisational skills, able to juggle competing priorities and take an appropriate course of action.
  • Has high levels of resilience, able to take input and direction to run with a task, works on own initiative.

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Personal Attributes

  • Excellent communication skills and customer focus.
  • Strong analytical and development skills.
  • Process oriented – able to understand existing processes and create new ones or amend existing.
  • To be able to work under pressure in an environment with varying deadlines.
  • To be able to organise oneself to manage a diverse workload effectively.
  • A focus on producing work of a consistently high quality.

What happens next?

If this sounds like you and you’d like to join our rapidly expanding company that offers excellent career progression, then apply now!

Working for Cabot

You’ll be working for an award winning; Investors in People Gold accredited organisation. We’re passionate about the ethical treatment of our customers and employees. Our mission is to create pathways to economic freedom. Our vision is to make credit accessible by partnering with our consumers to restore their financial health.

Diversity and inclusion are very important to us at Cabot, and we value a multitude of diverse talent within our business. We want everyone to be themselves at work and encourage a culture that includes everyone. Our policies ensure that every candidate and employee are treated fairly and with equal opportunities.

At Cabot we are highly regulated by our clients, as such, any successful candidates will have to undergo a basic credit check and criminal background check. Please note that we are unable to proceed to interview stage if a CCJ, IVA or Bankruptcy appears on a credit file, or if you do not have full right to work in the UK – we are unfortunately unable to offer sponsorship.

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Skills

Business analysis
Requirements elicitation
Process mapping
Change management
User stories
Acceptance criteria
Azure DevOps
Agile
UAT planning
Defect triage
Stakeholder management
Data analysis
Business process re-engineering
Communication skills
Planning and organisation

Location

West Malling, England, United Kingdom

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