Middle Business Analyst

TODA Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

The Business Analyst on our team holds a strategic role at the intersection of business, product, and engineering. You will translate the needs of merchants, compliance, and risk management into clear specifications that enable the development team to build things right the first time.

Key challenges you will work on:
Consolidating multiple payment platforms into one with minimal operational risk
Integrating with new acquirers and payment providers via REST API
Building a flexible transaction routing system (smart routing) accounting for MID performance
Standardizing chargeback, dispute, and rolling reserve processing workflows
Translating PCI DSS, AML/KYC requirements into functional specifications

Requirements:
3+ years in a Business Analyst or Systems Analyst role
Required: experience in fintech, payment systems, or banking
Experience with payment processes: acquiring, processing, PSP/PayFac preferred
Participation in Agile/Scrum teams: grooming, planning, retrospectives
Proficiency in BPMN 2.0, UML (Use Case Diagram, Sequence Diagram, Activity Diagram)
Understanding of the transaction lifecycle: auth capture settlement reconciliation
Knowledge of dispute resolution and chargeback processes (Visa / Mastercard rules)
Experience with REST API documentation: reading, writing, testing via Postman / Swagger
Basic understanding of PCI DSS scope, AML/KYC requirements in the context of payment systems
Proficiency with tools: Confluence, Notion, Jira / Linear, Miro / Lucidchart

Personal Qualities
Systems thinking: sees the process as a whole, not just within the scope of a task
High attention to detail in specifications and edge cases
Proactive: asks the right questions, doesn't wait for a ready-made spec
Clear written and verbal communication in English
Comfortable at the intersection of business and technology; doesn't shy away from developer
conversations

Responsibilities:
Requirements & Documentation
Gathering business requirements from stakeholders: commercial, risk, compliance, merchants
Writing functional specifications, user stories, and acceptance criteria (Definition of Done)
Modeling business processes in BPMN 2.0 notation AS-IS and TO-BE
Maintaining and updating product documentation in Confluence / Notion

Payment Processes
Describing and optimizing payment flows: authorization, clearing, settlement, refunds, chargebacks
Analyzing and documenting transaction routing logic and waterfall strategies
Gap analysis during platform consolidation and merchant migration
Supporting integrations with acquirers and PSP providers via REST API / ISO 8583

Team Collaboration
Active participation in grooming, sprint planning, UAT, and demos
Close collaboration with Product Owner, developers, and QA
Communication with compliance/risk on regulatory requirements (PCI DSS, AML/KYC)
Preparing training materials for operations teams and merchants

Nice to haveUnderstanding of high-risk market specifics and egulatory constraints
ISO 8583 / ISO 20022
Knowledge of financial messaging protocols
Rolling Reserves & Dispute Management
Hands-on experience describing and automating these processes
Platform Migration Experience
Participation in consolidation or re-platforming projects in fintech

We offerOpportunity to work in a fast-growing international fintech company
Professional growth opportunities alongside with company
24 paid vacation days per year and 5 paid sick leave days per year
10 Public holidays days
An opportunity to work full remote or hybrid flexibility
Collaborative and friendly team
Professional education budget after 6 months working in the company
Birthday gift bonus for all our employees