Business / Systems Analyst
Posted 2hrs ago
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Job Description
Business Systems Analyst translating payment-platform needs into requirements, APIs, and process models. Supporting engineering, QA, reconciliation, and releases at UK fintech Peratera.
Responsibilities:
- Gather and analyse business requirements across payment products including accounts, transfers, FX and customer onboarding
- Write functional and non-functional requirements, user stories with acceptance criteria, and end-to-end scenarios including edge cases
- Design data models, status flows and process diagrams using BPMN and sequence diagrams
- Specify APIs and integrations with external payment providers and partner banks
- Act as a technical point of contact for external payment providers and partner banks
- Define reconciliation and reporting requirements with Finance and Compliance
- Support Engineering and QA from specification through release, including acceptance testing
- Investigate production issues
- Maintain product documentation
Requirements:
- 3+ years as a business or systems analyst in payments, fintech, an EMI, a bank or a payment provider
- Good understanding of how payments work end to end — from initiation to settlement, including rejections, refunds and reconciliation
- Experience integrating with external payment providers or partner banks, including handling errors and failures
- Familiarity with e-money and payments standards and regulation (EMI, safeguarding, ISO 20022, SEPA, SWIFT, PSD2, PCI DSS)
- Strong skills in writing requirements and user stories, and in modelling data and processes (BPMN, sequence diagrams)
- Experience designing APIs and integration contracts (e.g. OpenAPI)
- SQL skills to check and validate data on your own
- Structured thinking - you ask the right questions rather than filling gaps with assumptions
- Strong written English
- Experience with KYC/KYB, sanctions and PEP screening or transaction monitoring - ideally with a KYC provider such as Sumsub
- Experience with a BaaS provider or direct involvement in a partner-bank integration
- Exposure to local and international payment schemes in any region
- Experience in a small team without dedicated technical writers or QA analysts
Benefits:
- Competitive, market-aligned compensation
- Opportunity to work on a high-impact product with real-world scale
- Modern tech environment and engineering-driven culture
- International, distributed team with a collaborative mindset
- Remote-friendly setup with flexible working hours
- Supportive team culture focused on knowledge sharing and ownership


















