Business / Systems Analyst

Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly.

Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations.

• Gather and analyse business requirements across our payment products - accounts, transfers, FX and customer onboarding

• Write clear 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 (BPMN, sequence diagrams)

• Specify APIs and integrations with external payment providers and partner banks, and act as a technical point of contact for them

• Define reconciliation and reporting requirements together with Finance and Compliance

• Support Engineering and QA from specification through to release, including acceptance testing

• Help investigate production issues and keep product documentation up to date

• 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

• 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

Sounds like a match? Send us your CV - we’re excited to get to know you.