Senior Business Analyst - Payments, Capco, PL

Capco Poland is a leading global technology and management consultancy, dedicated to driving digital transformation across the financial services industry. Our passion lies in helping our clients navigate the complexities of the financial world, and our expertise spans banking and payments, capital markets, wealth, and asset management. We pride ourselves on maintaining a nimble, agile, and entrepreneurial culture, and we are committed to growing our business by hiring top talent.

We also are:

• Experts in banking and payments, capital markets, wealth and asset management
• Focused on maintaining our nimble, agile, and entrepreneurial culture
• Committed to growing our business and hiring the best talent to help us get there

ROLE OVERVIEW:

We are seeking a Senior Business Analyst to support a major payments transformation program, migrating from legacy applications to a new target-state ecosystem. The BA will play a critical role in requirements gathering, process mapping, and gap identification across payments and liquidity management domains.

Key Responsibilities

• Elicit, document, and validate business and functional requirements for payments and liquidity processes.
• Conduct As-Is / To-Be analysis, mapping process flows and defining future-state operating models.
• Identify gaps in new payments systems and drive resolution strategies.
• Collaborate with business, technology, and operations teams to ensure end-to-end process alignment.
• Define message mappings for SEPA, TARGET2, EURO1, SWIFT, and ISO 20022 standards.
• Support testing phases (UAT, SIT) through clear acceptance criteria and traceability.
• Contribute to migration readiness and cutover planning.

Required Skills & Experience

• 6–8+ years as a Business Analyst, with at least 2–3 years in payments.
• Strong expertise in:
• SEPA payments schemes
• ISO 20022 messaging
• SWIFT formats, TARGET2, EURO1
• Experience with liquidity management and cash pooling.
• Proven track record in large-scale transformation/migration projects.
• Skilled in process modeling, requirements engineering, and gap analysis.

Nice-to-Have

• Experience in treasury systems and cash concentration solutions.
• Background in multi-system migrations within banking.
• German language skills and/or prior client-facing experience in Düsseldorf.

WHY WORTH JOINING US:

• Employment contract and/or Business to Business as you prefer
• Hybrid work
• Speaking English on daily basis, mainly in contact with foreign stakeholders and peers
• Multiple employee benefits packages (MyBenefit Cafeteria, private medical care, insurance)
• Access to 3.000+ Business Courses Platform (Udemy)
• Access to required IT equipment
• 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