Business Analyst - FinTech / Payments Domain

Responsibilities

• Business Analysis & Requirements Management
• Collaborate with business stakeholders to gather, analyze, and document business requirements for new and existing payment products or platforms.
• Translate business objectives into detailed functional specifications, user stories, and process flows.
• Conduct gap analysis and recommend scalable, regulatory-compliant solutions in the payments space.
• Partner with technology teams to ensure business requirements are clearly understood and implemented effectively.
• Validate solutions through user acceptance testing (UAT) and ensure alignment with business goals.
• Payments & FinTech Domain Expertise
• Analyze and design workflows for various payment processing systems - including card payments, digital wallets, ACH, SWIFT, RTP, and instant payments.
• Understand payment gateways, merchant acquiring, switching, and settlement processes.
• Ensure compliance with industry standards and regulations such as PCI DSS, PSD2, ISO 20022, and local payment regulations.
• Collaborate with risk, compliance, and fraud teams to incorporate KYC/AML requirements into product design.
• Support product managers in designing innovative financial solutions, such as embedded payments, open banking APIs, and cross-border remittances.
• Experience: 6-10 years
• Required Skills & Experience
• Core Competencies
• 6+ years of experience as a Business Analyst in FinTech, Banking, or Payments.
• Strong understanding of payment systems, transaction lifecycles, and settlement processes.
• Experience with requirements gathering, UML modeling, use case diagrams, and workflow documentation.
• Exposure to Agile/Scrum methodologies; experience working with tools like JIRA, Confluence, or Azure DevOps.
• Familiarity with APIs, microservices, and data integration concepts in payment systems.
• Excellent analytical, problem-solving, and communication skills.
• Technical & Domain Knowledge
• Knowledge of card networks (Visa, MasterCard, Amex) and real-time payment systems.
• Understanding of open banking, tokenization, and digital identity frameworks.
• Exposure to banking-as-a-service (BaaS), payment orchestration, or merchant onboarding platforms is an advantage.
• SQL or data querying skills for transaction analysis (nice to have).

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