Business Analyst - Cards (She/He/They)

Job description

**CAPCO POLAND** Capco Poland is a global technology and management consultancy specializing in driving digital transformation across the financial services industry. We are passionate about helping our clients succeed in an ever-changing industry. We are also: - Experts in banking and payments, capital markets and wealth and asset management - Committed to growing our business and hiring the best talent to help us get there - Focused on maintaining our nimble, agile and entrepreneurial culture **About the Role:** We are seeking a highly analytical and detail-oriented **Business Analyst** with deep experience in **payments**, particularly in **credit card products and processing**. This role will support the development and enhancement of innovative payment solutions, working closely with product managers, technology teams, and external partners to deliver best-in-class customer experiences. **Key Responsibilities:** - Collaborate with product managers to define and refine product requirements for credit card and payment solutions. - Analyze business processes, customer journeys, and transaction data to identify opportunities for innovation and optimization. - Translate business needs into detailed functional and non-functional requirements, user stories, and acceptance criteria. - Support the end-to-end lifecycle of credit card products, including onboarding, authorization, clearing, settlement, and dispute management. - Conduct market and competitor analysis to inform product strategy and positioning. - Work with cross-functional teams (engineering, compliance, operations, finance) to ensure alignment and successful delivery. - Assist in UAT planning and execution, ensuring solutions meet business and regulatory requirements. - Monitor KPIs and performance metrics post-launch to assess impact and identify areas for improvement. **Required Qualifications:** - 5+ years of experience as a Business Analyst in the **payments industry**, with a strong focus on **credit card products**. - Solid understanding of card scheme operations (Visa, Mastercard, etc.), issuer/acquirer models, and payment processing flows. - Experience working in Agile/Scrum environments. - Strong analytical and problem-solving skills with proficiency in tools like Excel, SQL, or BI platforms. - Excellent communication skills, with the ability to translate complex concepts into clear, actionable insights. - Familiarity with regulatory and compliance considerations in the payments space (e.g., PSD2, PCI DSS). **Preferred Qualifications:** - Experience with digital wallets, tokenization, or embedded finance. - Knowledge of APIs and integration with third-party payment providers. - Background in launching or supporting innovative card-based products or loyalty programs. **WHY JOIN CAPCO?** - Employment contract and/or Business to Business - whichever you prefer - Possibility to work remotely - Speaking English on daily basis, mainly in contact with foreign stakeholders and peers - Multiple employee benefits packages (MyBenefit Cafeteria, private medical care, life-insurance) - Access to 3.000+ Business Courses Platform - Access to required IT equipment - Paid Referral Program - Participation in charity events e.g. Szlachetna Paczka - Ongoing learning opportunities to help you acquire new skills or deepen existing expertise - Being part of the core squad focused on the growth of the Polish business unit - A flat, non-hierarchical structure that will enable you to work with senior partners and directly with clients - A work culture focused on innovation and creating lasting value for our clients and employees **ONLINE RECRUITMENT PROCESS STEPS** - Screening call with the Recruiter - Competencies interview with Capco Hiring Manager - Client’s interview - Feedback/Offer Follow us here [](https://www.linkedin.com/company/capco/mycompany/) [](https://www.instagram.com/lifeatcapco/) [](https://nofluffjobs.com/company/capco-poland-nbqvkxp2) or contact us directly  [recruiting.poland@capco.com](mailto:recruiting.poland@capco.com) #LI-Hybrid