Business Analyst

Techno-Functional Business Analyst

Location: Singapore

About the Company

A leading Singapore-based digital payment solutions provider, licensed and regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution, delivering Digital Payment Token services and cross-border payment transfers.

Operating under a platform-to-business, partners-to-clients (P2B2C) model, the company provides an integrated, end-to-end suite of services that enables businesses to enter and scale within the digital asset ecosystem with strong foundations in security, compliance, and operational resilience. Its platform supports a wide range of capabilities including fiat payments, OTC transactions, digital asset custody, prime brokerage, and cross-border settlement.

Role Overview

The Techno-Functional Business Analyst will act as a critical bridge between business stakeholders and technology teams, working closely with Product, Engineering, Compliance, Operations, Finance, HR, and Client Services.

This role requires strong payments domain knowledge, paired with the ability to translate complex business, regulatory, and operational requirements into clear functional and technical specifications. You will be involved end-to-end — from requirements gathering and solution design through UAT and post-implementation support.

Key Responsibilities

Business & Functional Analysis

• Partner with Product, Operations, Compliance, Finance, and Client Services to gather, analyse, and document business requirements.
• Translate regulatory, operational, and client needs into functional specifications, user stories, and acceptance criteria.
• Analyse end-to-end payment flows including collections, payouts, FX, settlement, reconciliation, and exception handling.
• Identify process gaps, inefficiencies, and operational or regulatory risks, proposing pragmatic, compliant solutions.

Technical & System Analysis

• Collaborate with engineering teams to translate functional requirements into technical designs, APIs, and data models.
• Contribute to system architecture discussions, ensuring solutions are scalable, secure, and compliant.
• Perform data analysis using SQL or similar tools to support investigations, reporting, and solution validation.
• Support integrations with external partners including banks, payment service providers, blockchain networks, KYT/KYC vendors, and other third-party platforms.

Delivery & Stakeholder Management

• Support sprint planning, backlog grooming, and delivery prioritisation with Product and Engineering teams.
• Play a key role in UAT planning and execution, including test scenario creation and defect triage.
• Work closely with Compliance and Risk teams to ensure MAS, AML/CFT, KYT, and transaction monitoring requirements are embedded into system design.
• Communicate clearly with both technical and non-technical stakeholders to ensure alignment and timely delivery.

Documentation & Governance

• Produce and maintain high-quality documentation including BRDs, FRDs, user stories, process flows, and system diagrams.
• Ensure full traceability between business requirements, technical implementation, and testing outcomes.
• Support audits, regulatory reviews, and internal controls with clear and well-structured system and process documentation.

Minimum Qualifications

• 5+ years of experience as a Business Analyst, Techno-Functional Analyst, or similar role within FinTech, payments, banking, or financial services.
• Strong domain knowledge in payments, wallets, cross-border transfers, FX, reconciliation, or digital assets.
• Experience working in regulated environments, including MAS and AML/CFT frameworks.
• Solid understanding of system architecture, APIs (REST/JSON), databases, and data flows.
• Proven experience writing functional specifications and supporting technical solution design.
• Hands-on data analysis experience using SQL or similar tools is a strong advantage.

Preferred Qualifications

• Experience with blockchain, digital payment tokens, or crypto-related payment flows.
• Exposure to KYT/KYC, transaction monitoring, or fraud systems.
• Experience working with regional payment schemes or cross-border banking integrations.
• Prior involvement in platform scaling initiatives or greenfield system builds.