Business Analyst - Cards (She/He/They)

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

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