PAYMENTS BUSINESS ANALYST

Key Responsibilities

• Gather and document business requirements for payment products and solutions.
• Analyze end-to-end payment flows including collections, disbursements, and settlements.
• Define functional specifications for payment APIs and integrations.
• Work with Product Managers and Engineers to design payment system workflows.
• Support integration with banks, payment gateways, and fintech partners.
• Identify and document business rules for transaction processing and reconciliation.
• Assist in testing, UAT, and validation of payment functionalities.
• Ensure compliance with relevant payment regulations and standards.
• Support issue resolution related to payment processing and transaction failures.
• Collaborate with stakeholders to improve payment efficiency and user experience.

Required Qualifications

• Bachelor’s degree in Business, Finance, Computer Science, or related field.
• 3–6 years of experience as a Business Analyst, preferably in payments or fintech.
• Strong understanding of payment systems and digital financial services.
• Experience working in Agile environments.
• Ability to translate business needs into technical requirements.
• Strong analytical, documentation, and stakeholder management skills.
• Good understanding of system integrations and APIs.

Technical & Functional Expertise

• Financial regulations (AML, KYC, CBN guidelines, GDPR, etc.)
• Risk & compliance frameworks
• Regulatory reporting and audit processes
• Policy development and governance frameworks
• Data privacy and cybersecurity regulations
• Fintech and digital payments compliance
• Cross-border regulatory understanding
• Product compliance integration (working with engineering/product teams)