Senior Business Analyst (Fintech)

#vacancy #cyprus #limassol

Senior Business Analyst
What you will do:
• Own requirements gathering, analysis, and documentation across core banking product domains, including accounts, payments, cards, FX, and fee management
• Define and document end-to-end payment flows across EU and UK schemes, including inbound, outbound, internal, rejected, returned, and recalled transactions
• Translate money movement, settlement, and accounting logic into functional requirements in close collaboration with Finance and Engineering
• Define requirements for banking settlement and correspondent account operations, including reconciliation, safeguarding, segregation of funds, and internal fund movements
• Convert regulatory and compliance obligations into actionable functional specifications and acceptance criteria, including areas such as KYC, AML, transaction monitoring, and licensing requirements
• Partner closely with Engineering on API design, system integrations, service dependencies, and solution design, bringing strong domain context into technical discussions
• Break down large initiatives into structured delivery artefacts, ensuring clear traceability from business need to implementation outcome
• Coordinate and support UAT, business validation, and stakeholder sign-off across Operations, Finance, Compliance, Product, and Engineering
• Identify gaps in operational processes and internal tooling, including client account management, fee configuration, transaction monitoring workflows, and exception handling
• Manage scope, dependencies, assumptions, and stakeholder alignment across multiple parallel workstreams

What we need:
• 5+ years of experience as a Business Analyst in fintech, banking, or a PI/EMI environment, with direct experience delivering core banking or payments-related capabilities
• Strong knowledge of EU and UK banking domains, including multi-currency IBANs, correspondent banking, safeguarding and segregation of client funds, nostro account structures, and PI/EMI operating models
• Deep expertise in payment rails and transaction lifecycles, including SEPA (SCT, SCT Inst, SDD, returns, recalls), SWIFT, Faster Payments, BACS, and CHAPS
• Solid understanding of double-entry accounting, ledger logic, general ledger structures, Chart of Accounts, and journal flows in a regulated financial environment
• Ability to work credibly with Engineering on system architecture, API contracts, event-driven integrations, and service interactions
• Comfortable reading and interpreting API documentation, process flows, sequence diagrams, and technical specifications
• Strong business analysis toolkit, including process modelling, requirements decomposition, acceptance criteria writing, and structured documentation
• Excellent stakeholder management and communication skills, with the ability to align Engineering, Finance, Compliance, Operations, and Product around complex requirements and delivery trade-offs

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