Business Analyst - Credit & Cards

Calamatta Cuschieri Moneybase is one of Malta’s largest financial services firms that pioneered the Maltese financial services industry as early as 1971. With a philosophy to consistently service clients in an honest and personalised manner, we have moved from strength to strength gaining an excellent reputation along the way.

Moneybase a multi-award-winning finance platform that allows individuals and businesses to easily manage all their financial needs, from daily payments to and investments to treasury and wealth management.

We are committed to attracting and selecting the very best people to join our team and to creating a workplace that promotes individual career growth; we value our people and their well-being. The group employs over 190 people from over 27 countries around the world with Assets Under Management and Administration of over 3 billion.

Role Overview:

The Business Analyst will play a key role in defining and refining business processes, gathering and analysing requirements, and ensuring alignment with business goals. A strong focus on collaboration with UI/UX Designers is essential to enhance user experience and optimize platform usability. The ideal candidate will demonstrate exceptional attention to detail, a structured approach, and a commitment to quality, while also providing mentorship and guidance to team members.

Duties & Responsibilities:

• Liaise with Developers and Product Managers to understand requirements and propose solutions that meet such requirements 

• Define requirements for credit assessment, eligibility criteria, affordability checks, and fraud prevention mechanisms within a credit platform 

• Collaborate with Risk Analysts to translate risk policies into system configurations and business rules 

• Define clear specifications and business requirements for solutions being developed or updated 

• Develop detailed use cases, user flows, wireframes (if applicable, or collaborate with UX/UI designers), and process diagrams to illustrate product functionality.

• Document functional specifications including data flows, data mapping and detailed Use/Test Cases 

• Develop detailed use cases, user flows, wireframes (if applicable, or collaborate with UX/UI designers), and process diagrams to illustrate product functionality 

• Maintain comprehensive and up-to-date documentation of product features, business rules, and technical specifications 

• Assess impact, assist in prioritization and provide high level estimates for project pipeline 

• Breakdown EPICs into user stories based on feedback from Product Managers and Dev team 

• Define Business Acceptance criteria for stories 

• Engage with Dev teams, to assist with breaking down user stories into tasks 

• Perform UAT to verify that the solution is in line with the requirements 

• Provide initial support of new deployments 

• Perform data verification analysis post deployment 

Experience & Education Requirements

• 3–5 years of experience in a fintech, digital lending, or financial services environment with a focus on credit or payments. 

• Strong analytical skills and proficiency in relational databases  

• In-depth knowledge of requirements for loan structuring, interest calculations, fees, repayment schedules, collections strategies, arrears management, and debt recovery processes 

• Have experience with various credit risk models, policies, and decision engines to understand their impact on product design 

• Solid understanding of payment processing flows, payment gateways, and reconciliation in a financial services context 

• A degree in Business, Information Technology, or a related field 

• A good understanding of information technology with a strong technical background 

Skills Requirements

• Excellent communication skills, with the ability to talk to and present to a range of audiences, sometimes acting as a translator between parties.

• Ability to work on multiple projects within respective project time frames

• A passion for creating solutions with a positive attitude to change

• Excellent analytical skills and an informed, evidence-based approach

• A strong interest in business and business development

Remuneration

We are committed to attracting and selecting top people to join our team. We are also committed to creating a workplace that encourages individual growth; we value our people and their well-being.

What we offer:

• Ongoing internal training

• External training opportunities

• Study Leave

• Sponsorship schemes for further studies

• Opportunities for career growth

• Free health insurance

• Gym Subsidy

• Mental health package

• Performance bonus

• Employee referral incentive

Visit our websites - cc.com.mt or moneybase.com for more information about us.

All Applications will be acknowledged and treated with maximum confidentiality

“The enduring goal of Calamatta Cuschieri Moneybase is that the composition of our workforce should reflect that of the communities in which we work.”

Reference Code: CCMT04425