Business / Systems Analyst (Fintech | Payments)

Peratera (New Zealand) Limited; Polska; Remote; PLN 90,000 - 130,000; Full time

Benefits offered by this job

Remote-friendly setup

Flexible working hours

Job summary

Peratera (New Zealand) Limited, a UK-based fintech, is seeking a Business / System Analyst to turn business needs into precise requirements for our payment platform. You will work on accounts, balances, transfers, FX and integrations with payment providers, guiding questions, and maintaining documentation through to release.

You will collaborate with Finance, Compliance, and Engineering, designing data models, APIs, and reconciliation processes, while ensuring edge cases are covered and

Qualifications

• 3+ years as a business or systems analyst in payments, fintech, an EMI, a bank or a payment provider
• Understanding end-to-end payments—from initiation to settlement, including rejections, refunds and reconciliation
• Experience integrating with external payment providers or partner banks
• Familiarity with EMI, safeguarding, ISO 20022, SEPA, SWIFT, PSD2, PCI DSS
• Strong requirements writing and modeling data and processes (BPMN, sequence diagrams)
• Experience designing APIs and integration contracts (OpenAPI)
• SQL skills to check and validate data
• Structured thinking—asking the right questions rather than filling gaps with assumptions

Responsibilities

• Gather and analyse business requirements across our payment products - accounts, transfers, FX and onboarding
• Write clear 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 (BPMN, sequence diagrams)
• Specify APIs and integrations with external payment providers and partner banks, and act as a technical point of contact for them
• Define reconciliation and reporting requirements together with Finance and Compliance
• Support Engineering and QA from specification through to release, including acceptance testing
• Help investigate production issues and keep product documentation up to date

Skills

Requirements writing

User stories

Data modelling

Process modelling

BPMN

Sequence diagrams

SQL

Structured thinking

Payments knowledge

OpenAPI

Tools

OpenAPI

Job description

Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly.

Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations.

Your mission

We're looking for a Business / System Analyst to work on the core of our payment platform: accounts and balances, transfers, FX, integrations with payment providers, and reconciliation. You'll turn business needs into clear requirements our developers can build from, and stay involved through to release by answering the team's questions, checking the result and keeping documentation up to date. Our Product team sets the priorities and roadmap, your focus is making sure every requirement is complete, clear and correct.

What You’ll Do

• Gather and analyse business requirements across our payment products - accounts, transfers, FX and customer onboarding
• Write clear 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 (BPMN, sequence diagrams)
• Specify APIs and integrations with external payment providers and partner banks, and act as a technical point of contact for them
• Define reconciliation and reporting requirements together with Finance and Compliance
• Support Engineering and QA from specification through to release, including acceptance testing
• Help investigate production issues and keep product documentation up to date

What We’re Looking For

• 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

Nice to Have

• 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

What You’ll Get

• 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