Business Analyst (Card Processing / Approval Rate)

About the Position

Business Analyst (Card Processing / Approval Rate)

We are looking for a skilled Business Analyst to join our UK fintech team in Ukraine. You will focus on analyzing card processing and approval rates, detecting fraud, and optimizing payment flows.

About Fintech Farm

We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks. Our success builds upon a best-in-class product, customer experience, emotional engagement, viral marketing, and deep credit decisioning expertise. We aim to become a leading consumer digital bank brand in each market we operate.

Why Fintech Farm is a great place to be

• Our ambition: We are looking to become a leading consumer digital bank brand in each market we operate, making it easy for consumers to interact with their money. You could be a part of this exciting journey.
• Our culture:
  • Customers: We always go above and beyond to provide an amazing customer experience. We serve our customers the way we would want our mom to be served. And who said that banking has to be boring? We make our apps not just easy but fun to use.
  • People: We are all business partners in our company. Each of us thinks big, acts as if we own the place, and never takes “No” as an answer. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the We over Me culture.

Responsibilities

• Analyze anti-fraud and payment performance metrics, including Approval Rate for card transactions, decline statistics, and their impact on business processes
• Identify, analyze, and investigate root causes of transaction declines during the authorization stage
• Work with large-scale datasets (Big Data) to detect trends, anomalies, and fraud-related patterns
• Apply statistical analysis techniques and build clear, actionable data visualizations for stakeholders
• Collaborate closely with product, engineering, risk, and operations teams to improve payment and anti-fraud flows
• Analyze and optimize payment processing flows, including authorization, network processing, clearing, and transaction confirmation

Requirements

• 2–3+ years of experience in a similar Business Analyst role, preferably in financial services, banking, payments, or transaction analysis
• Hands-on experience working with large volumes of data (Big Data)
• Strong understanding of Approval Rate, transaction decline reasons, and their business impact
• Solid knowledge of statistical analysis methods and data visualization techniques
• Good understanding of payment processing principles and flows
• Experience working with payment systems and protocols such as 3D Secure, EMV, PCI-DSS
• Strong analytical mindset, attention to detail, and a results-oriented approach

We Offer

• Competitive salary, negotiable depending on the candidate’s level
• Share options
• A fast-growing start-up environment - with more benefits on the way