Responsibilities:
1. Requirement Gathering & Analysis
- Engage with stakeholders (business, technology, compliance, and operations) to gather and document business and functional requirements.
- Conduct gap analysis to identify areas of improvement in current payment solutions and digital wallet offerings.
- Define user stories, use cases, and acceptance criteria for fintech products.
2. Product & Solution Design
- Collaborate with product owners and solution architects to design payment systems, digital wallets, and fintech solutions.
- Ensure compliance with regulatory requirements (e.g., PCI DSS, KYC, AML, PSD2).
- Work on API integrations between banks, payment gateways, and third-party service providers.
3. Process Mapping & Optimization
- Develop workflow diagrams, process models, and system interaction diagrams.
- Optimize digital payment and wallet processes to enhance user experience and operational efficiency.
- Identify automation opportunities to reduce manual intervention.
4. Data Analysis & Reporting
- Analyze transaction data, user behavior, and system performance to provide actionable insights.
- Work with SQL and BI tools to generate reports on key fintech metrics (e.g., transaction success rate, fraud detection, churn rate).
- Support risk and fraud teams in identifying suspicious activities.
5. Project Management & Stakeholder Coordination
- Act as a liaison between business units, development teams, and third-party vendors.
- Support Agile/Scrum teams by prioritizing the product backlog and sprint planning.
- Ensure timely delivery of fintech projects by tracking milestones and dependencies.
6. Testing & Quality Assurance
- Define test cases and participate in UAT (User Acceptance Testing) to validate solutions.
- Coordinate with QA teams to ensure proper testing of digital wallet transactions, payment flows, and API integrations.
- Identify and escalate defects or performance issues in the payment systems.
7. Compliance & Security
- Ensure adherence to local and international fintech regulations, including anti-money laundering (AML) and know-your-customer (KYC) guidelines.
- Work closely with cybersecurity teams to identify and mitigate payment fraud risks.
8. Continuous Improvement & Market Research
- Stay updated on emerging trends in fintech, blockchain, BNPL (Buy Now Pay Later), and digital banking.
- Analyze competitors payment solutions and recommend enhancements.
- Provide strategic input to improve product offerings and customer engagement.
Qualifications & Experience:
1.Knowledge:
- Experience in enterprise architecture, solution architecture, or software development, preferably in Cash, Payments and Digital Wallet.
- Translate business needs into functional requirements to design seamless cash wallet and digital payment solutions that enhance user experience and financial inclusion.
- Collaborate with cross-functional teams to analyze, document, and optimize digital banking processes, ensuring compliance, scalability, and innovation.
- Drive data-driven insights and product enhancements across fintech ecosystems, enabling smarter, faster, and more secure financial transactions.
2.Technical Skills:
- Skilled in BRD, FRD, and user story development using Jira, Confluence, and Visio to translate business and regulatory needs into technical deliverables.
- Proficient in API analysis, data mapping, and third-party system integrations across payment gateways, digital wallets, and core banking platforms.
- Experienced in UAT planning, end-to-end process validation, and compliance alignment with CB regulations, AML/KYC, and CBE digital payment frameworks.
3.Education:
- University Degree in Telecommunication, Engineering, Business Administration.
4.Experience:
- Minimum of 4 years of relevant experience consistent with the above knowledge and skills.
5.Language Proficiency:
- Perfect Command of English language (written & spoken).
6.Skills & Abilities:
- Strong communication skills to interact with business stakeholders and technical teams.
- Ability to translate business requirements into technical solutions.
- Experience in leading cross-functional teams and vendor management.
