Rails Application Specialist (Fintech/Payments)

Black Pen Recruitment; Cape Town; On-site; ZAR 600,000 - 800,000; Full time

Benefits offered by this job

Mission-driven work

Startup environment with growth opportunities

Competitive compensation

Job summary

A high-growth fintech company in Cape Town is seeking a Rails Application Analyst to manage banking applications and regulatory compliance. In this role, you'll coordinate with financial institutions and ensure that applications meet necessary requirements. Ideal candidates will have a bachelor’s degree, 5 years of experience in fintech, and a solid understanding of regulatory frameworks. This role offers a hybrid work environment and competitive compensation, allowing you to contribute to seamless money movement across Africa.

Qualifications

• Bachelor’s degree required, ideally related to finance or law.
• 5+ years experience in fintech or regulated environments.
• Hands-on knowledge of compliance and regulatory documentation.

Responsibilities

• Manage applications to banks and payment providers.
• Prepare regulatory and compliance documentation.
• Liaise with banks and third-party partners.

Skills

Bachelor’s degree in Business, Law, Finance, or related field

5 years’ experience within fintech, payments, crypto, or regulated financial services

Hands‑on experience with banking or fintech applications and onboarding

Strong understanding of KYC, KYB, and AML frameworks

Proven experience preparing and managing regulatory documentation

Experience liaising directly with banks and regulators

Comfortable managing multiple stakeholders

Education

Bachelor’s degree in Business, Law, Finance, or a related field

Job description

Our client is a high-growth fintech company building the next generation of payment infrastructure across Africa. Their mission is to make money movement seamless, inclusive, and scalable across borders. They operate at the intersection of financial innovation and real-world impact, empowering businesses and consumers with tools to thrive in a rapidly digitizing economy.

Role Overview

The Rails Application Analyst will play a critical role in supporting and managing applications to banking partners, payment providers, and regulated financial institutions. This role requires hands‑on experience working within fintech, payments, or crypto environments, with a strong understanding of regulatory requirements, onboarding processes, and financial rails.

The role will act as a key liaison between internal teams and external partners, ensuring applications, documentation, and compliance processes are executed accurately, efficiently, and in line with regulatory expectations across regulated markets such as Africa, the UK, or similar jurisdictions.

Job Type: Full Time.Permanent

Workplace: Hybrid

Location: Cape Town

Skills & Experience

• Bachelor’s degree in Business, Law, Finance, or a related field
• 5 years’ experience within fintech, payments, crypto, or regulated financial services
• Hands‑on experience with banking or fintech applications and onboarding, including EMIs, regulated exchanges, CFD providers, or financial institutions
• Strong understanding of KYC, KYB, and AML frameworks
• Proven experience preparing and managing regulatory, compliance, and banking documentation
• Experience liaising directly with banks, regulators, and third‑party providers
• Comfortable managing multiple stakeholders across legal, compliance, product, and operations functions

Nice to Have (Not Essential)

• Existing relationships with banks, payment providers, or regulated exchanges
• Background in compliance, operations, or regulatory consulting
• Experience operating across African, UK, or similar regulated markets

Responsibilities

Banking & Rails Applications

• Manage and coordinate applications to banks, payment providers, and regulated financial institutions
• Support onboarding processes for financial rails, including banks, EMIs, regulated exchanges, and financial institutions
• Ensure applications meet partner, regulatory, and compliance requirements

Regulatory & Compliance Documentation

• Prepare, review, and submit regulatory, compliance, and banking documentation
• Support KYC, KYB, and AML processes in line with applicable regulatory frameworks
• Maintain accurate records and documentation for audits, reviews, and partner assessments

Stakeholder & Partner Management

• Liaise directly with banks, regulators, payment providers, and third‑party partners
• Act as a point of coordination between legal, compliance, product, and operations teams
• Manage multiple stakeholders and ensure timely communication and follow‑up

Cross-Functional Collaboration

• Work closely with internal compliance, operations, product, and legal teams to support onboarding and ongoing requirements
• Provide guidance on regulatory expectations and partner requirements
• Support continuous improvement of onboarding and application processes

Benefits

• Mission-Driven Work: The opportunity to work on solving cross-boarder payments in Africa. Connecting us to the world, and the world to us.
• A startup environment with massive growth: High pace, high growth where your work directly shapes and impacts the company.
• Competitive Compensation: A salary package that matches your expertise and the market rate