Business Analyst - Payment

Capco; Kuala Lumpur; On-site; MYR 100,000 - 167,000; Full time

Job summary

Capco Malaysia is expanding its Retail Banking Payments practice and seeks a consultant with strong payments experience to support engagements across payments strategy, transformation and advisory.

You will apply knowledge of payment rails and gateways, conduct discovery, translate findings into recommendations, and collaborate with stakeholders across business, tech, risk and compliance to deliver impactful client outcomes.

Qualifications

• Experience in retail banking payments within consulting, banking, fintech or related environment.
• Strong understanding of payments ecosystem, rails, gateways and processing flows.
• Excellent PowerPoint and slide writing, senior-management-ready materials.

Responsibilities

• Support client engagements across retail banking payments strategy, transformation, capability assessment and related initiatives.
• Analyze payment rails, gateways and end-to-end payment flows to identify opportunities.
• Conduct discovery activities, stakeholder interviews and requirements gathering; translate findings into recommendations.
• Collaborate with business, technology, operations, risk and compliance for delivery of payment initiatives.
• Develop client-ready presentations and executive-level materials with clear storytelling.

Skills

Retail payments

Payment rails

Analytical thinking

PowerPoint

Client communication

English & Mandarin

Job description

Capco is an entrepreneurial global consulting firm dedicated exclusively to the financial services industry. We help banks, insurers, and capital markets firms navigate complex change across transformation, technology, risk & compliance, and strategy.

With a strong and growing presence across Asia‑Pacific, including Malaysia, Capco partners with some of the world’s largest financial institutions on high‑impact, large‑scale transformation initiatives. Our consultants combine deep industry expertise with innovative thinking to deliver measurable outcomes for clients.

As we continue to scale rapidly in Malaysia, this is an exciting time to join Capco. You’ll have the opportunity to make a real impact, build new capabilities, and grow your career quickly within a collaborative, high‑performance consulting environment.

Role Overview

We are looking for a individual with strong Retail Banking Payments experience to join our team and support client engagements across payments strategy, transformation and advisory.

The successful candidate will bring a strong understanding of the payments ecosystem, including payment rails, payment gateways, and domestic and cross-border payment flows. You will work closely with client stakeholders to understand business challenges, conduct discovery and analysis, and translate findings into structured recommendations and high-quality client deliverables.

This role is well suited to someone who combines payments domain expertise with strong consulting, analytical and communication skills.

Key Responsibilities

• Support and deliver client engagements across retail banking payments, including payments strategy, transformation, capability assessment and related initiatives.
• Apply strong knowledge of payment rails, payment gateways and end-to-end payment flows to analyse client challenges and identify opportunities.
• Conduct discovery activities, including stakeholder interviews, workshops, current-state assessments and requirements gathering.
• Analyse existing payment capabilities, processes and customer journeys to identify gaps, pain points and opportunities for improvement.
• Assess the impact of relevant regulatory requirements and industry developments on domestic and cross-border payment propositions.
• Structure complex or ambiguous problems and translate analysis into clear insights and actionable recommendations.
• Develop high-quality, client-ready presentations and executive-level materials, with a clear storyline and compelling supporting analysis.
• Facilitate or support client workshops and stakeholder discussions, capturing key decisions, outcomes and next steps.
• Collaborate with business, technology, operations, risk and compliance stakeholders to support the delivery of payment-related initiatives.
• Contribute to internal capability development and thought leadership across payments and banking.

Experience & Skills

Required Experience

• Relevant professional experience in retail banking payments, gained within consulting, banking, financial services, fintech or a related environment.
• Strong understanding of the payments ecosystem, including payment rails, payment gateways and payment processing flows is mandatory.
• Good understanding of the local payments and regulatory landscape, covering both domestic and cross-border payments.
• Ability to understand the interaction between business processes, technology, operations and regulatory considerations within payments.
• Strong analytical and structured problem-solving skills, with the ability to work effectively with complex or ambiguous requirements.
• Excellent PowerPoint and slide-writing capabilities, including the ability to develop concise, structured and senior-management-ready materials.
• Strong written and verbal communication skills in English and Mandarin (as will be working closely with technology team based in China).
• Previous experience in consulting, advisory or discovery engagements is highly desirable.

Why Join Capco?

• Work exclusively with leading banks and financial institutions on meaningful transformation programmes
• Be part of an entrepreneurial, growing Malaysia practice with strong APAC momentum
• Gain exposure to complex, high‑profile projects and senior stakeholders
• Enjoy faster career progression, strong performance‑based rewards, and real responsibility in building Capco’s future