System Analyst

Xpate; United Kingdom; On-site; GBP 55,000 - 85,000; Full time

Benefits offered by this job

Flexible hours

Hybrid/Remote options

Private health insurance

Generous PTO

Apple hardware

Extra days off

Birthday off

Wellness benefits

Job summary

XPATE is seeking a System Analyst to bridge business needs with engineering execution in a fintech environment. You will analyze, document, and improve our acquiring platform, banking rails, and payment infrastructure while coordinating with Product, Engineering, and business stakeholders to translate requirements into technical specifications and solution designs.

You will participate in integrating new payment providers and partnerships, define data flows and API requirements, and review

Qualifications

• 3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst in fintech/banking.
• Strong experience documenting business processes, system integrations, APIs, workflows, and solution logic.
• Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure.
• Experience working with software engineers in product teams.
• Proficiency with AWS services and cloud-based architectures.

Responsibilities

• Analyze, document, and improve our acquiring platform, banking rails, and payment infrastructure.
• Translate business requirements into system requirements, technical specs, and solution designs.
• Integrate new payment providers, banking partners, and external services.
• Define system workflows, data flows, API requirements, integration logic, and acceptance criteria.
• Collaborate with engineering to design solutions for current and future challenges.
• Review API contracts, data models, logs, and code-level logic where needed.
• Support scalability, reliability, automation, and ops efficiency across payment processes.
• Prepare and maintain high-quality documentation including specs, diagrams, and API docs.
• Identify automation opportunities and platform improvements.
• Clarify requirements and validate implementations to align business with tech.

Skills

Analytical thinking

Payments domain knowledge

API documentation

AWS knowledge

Jira

Confluence

UML

BPMN

English proficiency

Tools

AWS

DynamoDB

Lambda

Aurora DB

SQS

EventBridge

Job description

Remote office, Europe, Malta, Riga, Serbia, United Kingdom

Full-time

At xpate, we are building modern payment infrastructure for businesses operating across borders. Our platform combines acquiring, banking, compliance, and automation into a single ecosystem that helps companies scale globally.

We are looking for a System Analyst who is comfortable working in complex technical environments and can bridge business needs with engineering execution. This role requires strong analytical thinking, solid understanding of fintech and payment systems, and the ability to translate product and business goals into clear technical requirements.

Your role at xpate:

Analyze, document, and continuously improve our acquiring platform, banking rails, and payment infrastructure.

Work closely with Product, Engineering, and business stakeholders to translate business requirements into clear system requirements, technical specifications, and solution designs.

Participate in the integration of new payment providers, banking partners, and external services.

Define system workflows, data flows, API requirements, integration logic, and acceptance criteria for new and existing product initiatives.

Collaborate with engineering teams to design solutions for current technical challenges and future business goals.

Review technical implementation details where needed, including API contracts, data models, logs, and, when relevant, code-level logic.

Contribute to improvements in scalability, reliability, automation, and operational efficiency across payment and banking processes.

Prepare and maintain high-quality documentation, including functional specifications, process diagrams, user stories, acceptance criteria, API documentation, and technical notes.

Identify opportunities for automation, process optimization, and platform improvements.

Support delivery by clarifying requirements, validating implemented solutions, and ensuring alignment between business objectives and technical execution.

Contribute to an ambitious product roadmap in a fast-growing fintech environment.

We’re ready to meet you, if…

3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst, preferably in fintech, payments, banking, or financial systems.

Strong experience documenting business processes, system integrations, APIs, technical workflows, and solution logic.

Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure.

Experience working closely with software engineers in product teams.

Good understanding of AWS services and cloud-based architectures. Experience with services such as DynamoDB, Lambda, Aurora DB, SQS, EventBridge, or similar tools is a strong advantage.

Ability to read technical documentation, analyze API behavior, understand data flows, and work with technical implementation details.

Ability to review code logic or technical implementation at a basic level is a plus.

Strong analytical thinking and the ability to break down complex technical problems into clear requirements and practical solutions.

Experience with Jira, Confluence, BPMN, UML, sequence diagrams, or similar documentation and modelling tools.

Strong communication skills and confidence working with both technical and non-technical stakeholders.

English level B2+ or higher, as you will work in an English-speaking team.

High personal ownership, proactive mindset, and genuine motivation to build and improve products.

Practical experience using AI tools to speed up analysis, documentation, problem-solving, or research.

What working at xpate looks like:

• A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
• Enjoy flexible working hours, hybrid / remote work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
• Apple hardware and modern work tools to support your workflow.
• Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off.
• Private health insurance and wellness benefits.
• Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.

You will join a fintech product with ambitious business goals, complex technical challenges, and a substantial roadmap. This is an opportunity to work on real payment infrastructure, influence system design, and contribute directly to the development of scalable acquiring and banking solutions.

About us

xpate’s story

xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.