Business Analyst - Cards (She/He/They)

<p><strong>CAPCO POLAND</strong></p> <p>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.</p> <p>We are also:</p> <ul> <li>Experts in banking and payments, capital markets and wealth and asset management</li> <li>Committed to growing our business and hiring the best talent to help us get there</li> <li>Focused on maintaining our nimble, agile and entrepreneurial culture</li> </ul> <p><strong>About the Role:</strong></p> <p>We are seeking a highly analytical and detail-oriented <strong>Business Analyst</strong> with deep experience in <strong>payments</strong>, particularly in <strong>credit card products and processing</strong>. 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.</p> <p><strong>Key Responsibilities:</strong></p> <ul> <li>Collaborate with product managers to define and refine product requirements for credit card and payment solutions.</li> <li>Analyze business processes, customer journeys, and transaction data to identify opportunities for innovation and optimization.</li> <li>Translate business needs into detailed functional and non-functional requirements, user stories, and acceptance criteria.</li> <li>Support the end-to-end lifecycle of credit card products, including onboarding, authorization, clearing, settlement, and dispute management.</li> <li>Conduct market and competitor analysis to inform product strategy and positioning.</li> <li>Work with cross-functional teams (engineering, compliance, operations, finance) to ensure alignment and successful delivery.</li> <li>Assist in UAT planning and execution, ensuring solutions meet business and regulatory requirements.</li> <li>Monitor KPIs and performance metrics post-launch to assess impact and identify areas for improvement.</li> </ul> <p><strong>Required Qualifications:</strong></p> <ul> <li>5+ years of experience as a Business Analyst in the <strong>payments industry</strong>, with a strong focus on <strong>credit card products</strong>.</li> <li>Solid understanding of card scheme operations (Visa, Mastercard, etc.), issuer/acquirer models, and payment processing flows.</li> <li>Experience working in Agile/Scrum environments.</li> <li>Strong analytical and problem-solving skills with proficiency in tools like Excel, SQL, or BI platforms.</li> <li>Excellent communication skills, with the ability to translate complex concepts into clear, actionable insights.</li> <li>Familiarity with regulatory and compliance considerations in the payments space (e.g., PSD2, PCI DSS).</li> </ul> <p><strong>Preferred Qualifications:</strong></p> <ul> <li>Experience with digital wallets, tokenization, or embedded finance.</li> <li>Knowledge of APIs and integration with third-party payment providers.</li> <li>Background in launching or supporting innovative card-based products or loyalty programs.</li> </ul> <p><strong>WHY JOIN CAPCO?</strong></p> <ul> <li>Employment contract and/or Business to Business - whichever you prefer</li> <li>Possibility to work remotely</li> <li>Speaking English on daily basis, mainly in contact with foreign stakeholders and pee