Business Analyst - Payments

Summary

Join Capco Poland, a global technology and management consultancy, as a Business Analyst specializing in payments, particularly credit card products and processing. You will support the development and enhancement of innovative payment solutions, collaborating with product managers, technology teams, and external partners. Key responsibilities include defining product requirements, analyzing business processes, translating business needs into technical requirements, supporting the entire product lifecycle, conducting market analysis, working with cross-functional teams, assisting in UAT, and monitoring KPIs. The role requires 5+ years of experience as a Business Analyst in payments with a focus on credit cards, a solid understanding of card scheme operations, Agile experience, strong analytical skills, and excellent communication. Preferred qualifications include experience with digital wallets, APIs, and innovative card products. Capco offers various benefits, including remote work options, multiple employee benefit packages, access to online courses, and a supportive work culture.

Requirements

• 5+ years of experience as a Business Analyst in the payments industry, with a strong focus on credit card products
• Solid understanding of card scheme operations (Visa, Mastercard, etc.), issuer/acquirer models, and payment processing flows
• Experience working in Agile/Scrum environments
• Strong analytical and problem-solving skills with proficiency in tools like Excel, SQL, or BI platforms
• Excellent communication skills, with the ability to translate complex concepts into clear, actionable insights
• Familiarity with regulatory and compliance considerations in the payments space (e.g., PSD2, PCI DSS)

Responsibilities

• Collaborate with product managers to define and refine product requirements for credit card and payment solutions
• Analyze business processes, customer journeys, and transaction data to identify opportunities for innovation and optimization
• Translate business needs into detailed functional and non-functional requirements, user stories, and acceptance criteria
• Support the end-to-end lifecycle of credit card products, including onboarding, authorization, clearing, settlement, and dispute management
• Conduct market and competitor analysis to inform product strategy and positioning
• Work with cross-functional teams (engineering, compliance, operations, finance) to ensure alignment and successful delivery
• Assist in UAT planning and execution, ensuring solutions meet business and regulatory requirements
• Monitor KPIs and performance metrics post-launch to assess impact and identify areas for improvement

Preferred Qualifications

• Experience with digital wallets, tokenization, or embedded finance
• Knowledge of APIs and integration with third-party payment providers
• Background in launching or supporting innovative card-based products or loyalty programs

Benefits

• Employment contract and/or Business to Business - whichever you prefer
• Possibility to work remotely
• Multiple employee benefits packages (MyBenefit Cafeteria, private medical care, life-insurance)
• Access to 3.000+ Business Courses Platform
• Access to required IT equipment
• Paid Referral Program
• Participation in charity events e.g. Szlachetna Paczka
• Ongoing learning opportunities to help you acquire new skills or deepen existing expertise