Business / Systems Analyst

Job not on LinkedIn

🔥 2 minutes ago

🇬🇧 United Kingdom – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Business Analyst

👻 Ghost score 25%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Peratera

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2021

💳 Fintech

🤝 B2B

🔌 API

Fintech • B2B • API

Peratera is a UK-based electronic money institution (EMI) that provides multi-currency business accounts and cross-border payments for companies. It offers accounts in GBP, EUR, USD and 12+ other currencies, fast onboarding (accounts can be activated the same day once documents are provided), and transfers to 160+ countries using networks such as SWIFT, SEPA and Faster Payments. Peratera is FCA-authorised, safeguards client funds with regulated partner banks, provides competitive and transparent FX, and exposes a simple API to integrate payments, reporting and cashflow automation. Its product and marketing focus is on digital businesses including e-commerce, marketplaces, travel, import/export and freelance platforms, with features aimed at high-value transfers, transparent pricing, and secure authentication.

📋 Description

• Gather and analyse business requirements across payment products including accounts, transfers, FX and customer onboarding • Write functional and non-functional requirements, user stories with acceptance criteria, and end-to-end scenarios including edge cases • Design data models, status flows and process diagrams using BPMN and sequence diagrams • Specify APIs and integrations with external payment providers and partner banks • Act as a technical point of contact for external payment providers and partner banks • Define reconciliation and reporting requirements with Finance and Compliance • Support Engineering and QA from specification through release, including acceptance testing • Investigate production issues • Maintain product documentation

🎯 Requirements

• 3+ years as a business or systems analyst in payments, fintech, an EMI, a bank or a payment provider • Good understanding of how payments work end to end — from initiation to settlement, including rejections, refunds and reconciliation • Experience integrating with external payment providers or partner banks, including handling errors and failures • Familiarity with e-money and payments standards and regulation (EMI, safeguarding, ISO 20022, SEPA, SWIFT, PSD2, PCI DSS) • Strong skills in writing requirements and user stories, and in modelling data and processes (BPMN, sequence diagrams) • Experience designing APIs and integration contracts (e.g. OpenAPI) • SQL skills to check and validate data on your own • Structured thinking - you ask the right questions rather than filling gaps with assumptions • Strong written English • Experience with KYC/KYB, sanctions and PEP screening or transaction monitoring - ideally with a KYC provider such as Sumsub • Experience with a BaaS provider or direct involvement in a partner-bank integration • Exposure to local and international payment schemes in any region • Experience in a small team without dedicated technical writers or QA analysts

🏖️ Benefits

• Competitive, market-aligned compensation • Opportunity to work on a high-impact product with real-world scale • Modern tech environment and engineering-driven culture • International, distributed team with a collaborative mindset • Remote-friendly setup with flexible working hours • Supportive team culture focused on knowledge sharing and ownership