Midland Credit Management, an Encore Capital Group Company
Senior Business Analyst
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Senior Business Analyst
At Cabot, we’re looking for a Senior Business Analyst to lead the analysis, definition and design of complex change across the business. This is a hands-on, senior practitioner role focused on solving problems, shaping solutions, and ensuring outcomes deliver real value. You’ll work closely with Product, Technology and Operations teams to make sure change is clearly defined, feasible and aligned to business goals. With a high degree of autonomy, you’ll tackle ambiguity head-on, applying sound judgement and influencing decisions across cross-functional teams.
What you can expect as a Senior Business Analyst:
- Permanent Hybrid office role – Kings Hill, ME19 4UA.
- Competitive salary and a fantastic bonus scheme.
- Discount and cash back on hundreds of high-street shops.
- Private health insurance.
- Plus much more.
Key responsibilities include:
- Support delivery of complex business and technology change, ensuring analysis is high quality and consistent.
- Lead requirements definition and solution design from problem statement through to delivery.
- Apply advanced analysis techniques (process modelling, impact, root cause, options and data analysis) to shape solutions.
- Elicit, analyse and document business needs into clear, high-quality artefacts (e.g. user stories, process models, acceptance criteria, business rules).
- Collaborate with technical teams to design pragmatic, scalable solutions, maintaining traceability from business need to outcome.
- Ensure non-functional, operational, regulatory and risk considerations are captured early and embedded in design.
- Manage and refine backlogs, ensuring work is clearly defined, prioritised and delivery ready.
- Support the full change lifecycle, including testing, implementation, business readiness and handover.
- Facilitate workshops to explore problems, define solutions and drive decisions.
- Present clear recommendations, including risks, impacts, trade-offs and constraints.
- Identify risks and dependencies early, proposing mitigations to maintain delivery momentum.
- Ensure outcomes deliver intended business value, contributing to review and continuous improvement.
- Champion strong business analysis practices and share learning to improve delivery maturity.
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We are looking for someone with:
- Proven experience operating as a Senior Business Analyst within complex, technical and/or regulated environments.
- Strong command of core and advanced business analysis disciplines including requirements elicitation, process modelling, gap analysis, options analysis, benefits realisation and non-functional requirements.
- Experience working across digital, systems, data and operational change, with the ability to bridge business and technical perspectives.
- Practical experience working in agile, waterfall and hybrid delivery models, adapting techniques pragmatically to suit the delivery context.
- Highly developed analytical and problem-solving skills, with the ability to deal effectively with complexity and ambiguity.
- Strong facilitation and stakeholder engagement skills, able to challenge constructively and build trusted relationships.
- Excellent written and verbal communication skills, capable of explaining complex concepts clearly to both technical and non-technical audiences.
- Familiarity with tooling such as Azure DevOps (or equivalent), process modelling and collaboration tools.
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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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