Middle Business Analyst

TodaPay 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.
We are looking for a detail-oriented and proactive Accountant to join our Finance team and support core accounting operations, financial reporting, payroll processing, and coordination with external accountants and auditors across jurisdictions.

Requirements
Experience
• 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

Technical Knowledge
• 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 have
• Understanding of high-risk market specifics and regulatory constraints
• Knowledge of financial messaging protocols (ISO 8583/ISO 20022)
• Hands-on experience describing and automating rolling reserves and dispute management processes
• Participation in consolidation or re-platforming projects in fintech

We offer 

• Opportunity 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