Employment Type Full time 32 hours per week, typically worked over 4 days per week
Location On site ·Kent, UK minimum, on average, of 2 days per week in the Tonbridge Office
Team IT
Seniority Mid-level
* Closing:11:59pm, 7th Jul 2025 BST
Perks and benefits
Candidate happiness
7.89 (317)
Job Description
Who is Charity Bank?
Charity Bank is a savings and loans bank with a mission to use money for good. We use the money our savers entrust to us to make loans to charities, social enterprises and organisations with charitable purposes. Our community of borrowers, savers, shareholders and staff are all working towards one goal – helping to create lasting social change in our communities. If you believe that banks have a vital role to play in creating a world, we all want to live in and you want to live your values at work, apply for this vacancy today.
Charity Bank Recruitment Process
At Charity Bank, we prioritise inclusion and fairness in our recruitment process. Our use of recruitment software helps mitigate unconscious bias by incorporating skill-based questions alongside CVs. Responses and CVs are anonymised and reviewed in random order by our hiring team to ensure an equal chance for all candidates, regardless of background. Demographic questions are strictly for statistical purposes, ensuring a balanced candidate pool. Opting out of these questions is an option.
The use of AI tools (e.g., ChatGPT or similar) is permitted in the application process. However, we advise against copying and pasting answers from AI tools, as this often results in generic responses. We encourage you to showcase your own experiences, voice, and style in your answers
We review all applications within two weeks after the closing date, so expect feedback shortly thereafter. If you require reasonable adjustments during the application process, please email us at recruitment@charitybank.org .
Disability Confident Scheme
Under the Equality Act 2010, a person with a disability is someone who has – or has had in the past – a physical or mental impairment which has a substantial and long-term adverse effect on that person’s ability to carry out normal day-to-day activities.
As an Equal Opportunities and Disability Confident Committed employer, we actively encourage applications from people who consider themselves to have a disability falling within this broad definition. To access the Disability Confident Scheme, as an applicant with a disability/long term health condition/mental health condition, you are simply required to:
Show that you meet the essential criteria described in the person specification.
Answer ‘yes’ to both the following questions on the Bank’s application form, ‘according to the definition of disability do you consider yourself to have a disability?’ and ‘do you wish to be considered under the Disability Confident Scheme?’
You are not required to share the name or nature of your condition; you are simply stating the fact that you have a disability or long-term health condition/mental health condition. If you do not answer ‘yes’, your application will not be considered under the Disability Confident Scheme.
Adjustments for the application process and interview can be made if needed, so please contact us atrecruitment@charitybank.org if you require this.
We are keen to recruit from as diverse a talent pool of applicants as possible, so the scheme gives you not a guaranteed job offer but an opportunity to be fairly and equally assessed in interview along with other candidates who meet the criteria for the role.
Hiring managers do not automatically know the details of your condition(s), they are allowed only to ask what adjustments you may need before the interview or when you are in receipt of a job offer.
Be reassured that any adjustments you require will be treated in the strictest confidence and will not form part of any aspect of the assessment.
If a job offer is made to you, we will discuss with you any adjustments that you may need in the workplace to enable you to perform the duties required. These will not be discussed at the interview.
In your application, please ensure you demonstrate clearly how you meet the essential criteria.
Charity Bank's Four-Day Week initiative, open to all employees from day one, champions work-life balance by providing four days of work with full-time pay. This innovative approach underscores productivity, equal compensation, and the creation of an inclusive workplace in line with Charity Bank's social mission. The 32-hour workweek typically spans four eight-hour days, offering flexibility to typically choose Friday or Monday as the day off. Days off are protected and treated like weekends, ensuring uninterrupted personal time. The arrangement is flexible, adapting to part-time employees on a pro rata basis.
Job Profile
Job Title: Business Analyst
Contract: Permanent, full-time (32 hours per week)
Location: Hybrid: minimum, on average, of 2 days per week in the Tonbridge Office
Responsible to:Head of Projects and Operational Resilience
Overall Purpose of the Role
Charity Bank, wholly owned by charities and social purpose investors, is entirely focused on supporting UK charities and social enterprises. In 2025, Charity Bank is embarking on the next phase of its strategic development, aiming to enhance our social impact by significantly increasing the volume and value of secured loans to customers in order to support property acquisition, development/refurbishment and working capital needs in sectors such as Social & Supported Housing, Health & Social Care and Community Based Organisations.
The Business Analyst will coordinate and manage requirements gathering, stakeholder engagement, and documentation of project objectives to align with the Bank's strategic goals. They will oversee the analysis and refinement of business processes, ensuring efficient workflows that enhance customer and user experiences. The Business Analyst will collaborate with cross-functional teams to support the delivery of projects and change initiatives, with an initial main focus on the development and enhancement of the end-to-end lending process followed by a wider overall business need expanding into Savings and other business areas. A deep understanding of the Bank’s product suites, with a key focus initially on secured and unsecured lending, they will play a pivotal role in aligning operational improvements with customer needs and organizational priorities.
Dimensions of the Role
· To act as a liaison between business stakeholders, business and technical teams, ensuring clear and effective communication between the business areas.
· Identifying, analysing and documenting business requirements, proposing appropriate solutions.
· A deep understanding of all Charity Bank products with a key focus initially on our secured and unsecured lending and being able to clearly articulate the Bank’s product suites in how they work, the process, types of clients, commercial drivers, and regulations.
· Bring to the table an in-depth knowledge of tire 1 and tire 2 industry trends including regulations, enabling valuable insights and recommendation for improvements.
· The role holder will need to be comfortable leading both the design and presentation of ideas with a range of stakeholders with the aim of driving continuous improvement to both customer and user experience.
· Support the management of risk for the Bank’s products including management of the product governance processes, at launch, in-life, and end-of-life.
· Support the implementation and testing to ensure that solutions are developed and deployed effectively.
· Help deliver change, where approval has been given, ensuring best practices in change management, reporting and delivery are met.
Key Contacts:
Internally – Projects & Operational Resilience, IT, Lending Services, Credit, Marketing & Communications, Compliance, the Bank’s committees, AML, IT and Finance teams. On occasion Savings Operations and Savings Product.
Externally – Borrowers, outsourced providers, auditors and networks.
Other Requirements:
· Deep understanding and experience with the development of secured lending products and services to SME borrowers (gained at either a High Street bank or Tier 2 lender).
· Some unsocial hours when needs arise.
· The right candidate will demonstrate a proficiency in detailing requirement specifications for functional and non-functional elements to present to stakeholders.
· Have experience in creating user cases and stories to provide effective communication on scenario-based deliverables
· Be able to clearly articulate the AS IS and TO BE journeys outlining desired outcomes and improvements, with a clear recommendation of elements to prioritize to provide optimal outcomes based on desired results.
· Create and deliver communication plans effectively to stakeholders ensuring all parties are fully aware of all messaging and requirements.
· To actively explore opportunities to streamline processes, digitalise manual tasks and think innovatively on how technology can support the Bank’s loans operations, reduce costs, make the Bank greener and enhance the overall borrower and CB user experience.
Key Accountabilities:
· Conduct regular analysis and post 'go-live' management information following any change projects to ensure that key risk information is communicated effectively and supports strategic decision-making.
· Accountability to ensure the Bank’s suite of operating manuals and workflow checklists are updated to include new processes arising from change projects.
· Deliver in a timely manner all initiatives relating to the Bank’s gathering and/or management of its loans and savings, such as any changes to products or new product offerings. Deploy and apply appropriate project management skills and disciplines to ensure timely, efficient and cost-effective delivery of those projects.
· Prepare and maintain documentation for existing processes in the business such as RACI, process maps etc.
· Provide regular updates to the Head of Projects and Operational Resilience for all live and recently completed change initiatives
· work with external stakeholders to understand and investigate feedback into the service, function, or product provided
· use data modelling practices to analyse your findings and create suggestions for strategic and operational improvements and changes. Also consider opportunities and potential risks attached to suggestions you make
· identify the processes and information technology required to introduce your recommendations
· gain agreement, usually from senior management, of the best method of introducing your recommendations to the business
· communicate the benefits of your recommendations across departments and with interna colleagues help to address any uncertainty and understand the needs of departments and the organisation as a whole
· produce written documentation to support your work, report on your findings and to present to stakeholders when necessary
· support staff and teams in making your recommended changes, including helping to resolve any issues
· ensure plans are made and processes are created to evaluate the impact of the changes made, including taking responsibility for overseeing and reporting on this evaluation
Person Specification
Minimum of 3 years relevant experience within a financial institution
Minimum of 3 years Business Analyst experience
Knowledge of KYC, Anti Money Laundering, ongoing screening checks etc.
Knowledge of Salesforce and/or another system that supports delivery of an end-to-end journey for loans
Negotiating and influencing a variety of internal audiences and stakeholders
Knowledge of operational resilience regulations
Ability to create process flows and journeys
Working in a commercial banking environment
Working with charities or social enterprises
Experience within lending and savings journeys
Minimum of 5 relevant GCSEs (grade 4-9 or A - C) or equivalent qualifications.
MS Office suite
Experience of manipulating data to provide information
A self-starter, able to work on own initiative to deliver high quality outcomes within agreed timescales
Meticulous attention to detail, highly organised, systematic in approach
Able to analyse significant bodies of data - identifying trends, themes and actionable insight
High level of common sense, sound judgement, practical and pragmatic
Excellent presentation and verbal and written communication skills, to be able to inform and persuade both orally and in writing and communicate effectively with a variety of audiences
Numerically competent
Ability to produce comprehensive report
Negotiating and influencing skills
Salesforce knowledge
Any technical qualifications on data analytics would be a plus (SQL, SAS, Python, etc.)
Knowledge of Visio or other similar workflow apps
Some awareness of regulations with a key focus on payments, T&Cs and AML/KYC
Confident and able to engage at all levels
Influencing skills – good at getting a message across
A self-starter and team player, but able to work on own initiative
A strong understanding of Charity Bank’s mission and values
Resourceful and self-starter
Essential Thinking Style
Well-organised and systematic in approach.
Detail-conscious and determined to get the right
outcome with the required quality
Strategic thinker
Circumstances
Some unsociable working hours/overnight stays
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