Business Analyst - Cards (She/He/They)

Capco Poland is a global technology and management consultancy specializing in driving digital transformation across the financial services industry. The company is expert in banking and payments, capital markets, and wealth and asset management.

• 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).

Nice to have:

• 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.

• 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.