Business Analyst (Card Processing / Approval Rate)

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.

One of our founders had previously co-founded a highly successful Eastern European neobank with a multi million customer base.

We launched our first market with Leobank in Azerbaijan in 2021, where we have already established market leading positions. Our next market was Vietnam, where we launched Liobank in early 2023 and also gained solid traction.

We have a few more new markets in the pipeline for the next 12 months, and we are starting to build the team there.

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.

What you will do

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

What we are looking for

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

What we are offering

Competitive salary, negotiable depending on the candidate’s level

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A fast-growing start-up environment — with more benefits on the way