{"id":3567536,"url":"https://alion.io/job/ciklum-senior-business-analyst-2","title":"Senior Business Analyst","company":{"id":181259,"name":"Ciklum","domain":"ciklum.com","url":"https://alion.io/company/ciklum","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"services","is_intermediary":false,"listed_via":null,"ats_vendor":"Oracle","truth_index":{"grade":"B","score":75,"open_postings":13,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-11-05T05:54:30Z"}},"role":"Analytics","role_family":"Analytics","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bulgaria"],"countries":["BG"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":31000,"max_usd":71000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":3468},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Agile","optional":false},{"name":"BPMN","optional":false},{"name":"PassKit","optional":false},{"name":"PCI DSS","optional":false},{"name":"Stripe","optional":false},{"name":"UML","optional":false},{"name":"SQL","optional":true}],"status":"live","first_seen_at":"2026-08-05T09:43:12Z","employer_posted_date":"2026-08-05","last_verified_at":"2026-11-05T21:34:31Z","board_verified":true,"closed_at":null,"days_open":92,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":91},"description":"Ciklum is looking for a Senior Business Analyst to join our team full-time in Bulgaria.\nWe are a custom product engineering company that supports both multinational organizations and scaling startups to solve their most complex business challenges. With a global team of over 4,000 highly skilled developers, consultants, analysts and product owners, we engineer technology that redefines industries and shapes the way people live.\nAbout the role:\nAs a Senior Business Analyst, to join our cross-functional development team. In this role, you will be at the forefront of building an innovative, next-generation fintech platform designed to redefine how users interact with digital financial services. We are focused on engineering a robust, high-performance solution that empowers users with seamless, real-time access to transaction services, secure, modern banking ecosystems, and global payment capabilities.\nResponsibilities:\nEnd-to-End BA Ownership: Plan, estimate, and execute Business Analysis activities across all SDLC stages, managing requirements from initial ideation through to final acceptance and ongoing maintenance\nPayment-related Feature Definition: Define business needs and core objectives for critical payment workflows, checkout features, and transaction processing\nScope & Backlog Ownership: Manage the product backlog from definition through execution, perform backlog prioritisation and refinement, contribute directly to the solution roadmap, and tightly manage the solution scope to prevent scope creep\nProcess Modelling: Model requirements and technical workflows by using the most applicable notation, specifically UML and BPMN, tailored to complex financial interactions\nFramework Design: Define Business Analysis approaches and processes from scratch, establish high-quality Information Architecture for project documentation, ensure overall requirements quality, and define clear change management procedures\nUser-Centric Collaboration: Partner closely with Product Managers, Product Designers, and User Researchers utilising customer journey mapping to deliver coherent, high-impact payment experiences\nAgile Facilitation: Collaborate closely with the development team, lead and facilitate Agile ceremonies, ensuring delivery methodology effectiveness and focus on business value\nStakeholder Management: Secure strong stakeholder engagement, establish and drive effective collaboration frameworks across all participating business and technical groups\nRequirements:\nDomain & Payments Specialisation:\nFinancial Domain Expertise: Proven experience in the financial industry, with a mandatory specialisation in digital banking and payments systems\nPOS & Terminal Systems: Experience with card/payment terminals, MPOS and SoftPOS would be advantageous\nPayment Gateways & Integrations: Deep experience analysing and documenting integrations with third-party Payment Service Providers (PSPs), acquiring banks, or international payment gateways (e.g., Stripe, Adyen, PayPal)\nTransaction Lifecycle Knowledge: Strong understanding of end-to-end payment processing, including authorisation, capture, clearing, settlement, and ledger reconciliation\nAlternative Payment Methods (APMs): Hands-on experience defining requirements for digital wallets (Apple Pay, Google Pay), instant peer-to-peer (P2P) transfers, or Buy Now Pay Later (BNPL) services\nCompliance & Standards: Practical understanding of payment security regulations and compliance standards (such as PCI-DSS, PSD2/PSD3, KYC/AML frameworks) and strong customer authentication (SCA)\nRegional Market Expertise (at least one of them):\nUS Payment Ecosystem: Deep understanding of the US multi-rail payment infrastructure, including real-time rails (FedNow, The Clearing House RTP), clearing house mechanisms (ACH, Same-Day ACH), and wholesale clearing systems (Fedwire, CHIPS). Practical familiarity with US regulatory oversight bodies (FRB, CFPB, FinCEN) and compliance requirements (Regulation E, Bank Secrecy Act/AML)\nEU Payment Ecosystem & Regulations: Comprehensive knowledge of European payment frameworks, with a strong focus on the Instant Payments Regulation (IPR / SEPA Instant), ISO 20022 standard migrations (including structured postal address criteria), and evolving open finance directives (PSD2/PSD3, PSR, and FiDA)\nCore Business Analysis Capabilities:\nLifecycle Setup: Comprehensive experience in setting up Business Analysis processes and approaches across elicitation, decomposition, modelling, documentation, traceability, prioritisation, and change management\nLifecycle Management: Vast experience in setting up requirements lifecycle management alongside high proficiency in requirements documentation, structure definition, and template creation\nPhase Leadership: Proven experience in Pre-sales and Discovery phases, maintaining full ownership of BA tasks and deliverables\nAI Tool Integration: Experience in selecting, configuring, and applying AI-powered tools to accelerate BA deliverables without compromising quality\nAI Innovation Mindset: Readiness to continuously explore emerging AI capabilities and embed them into BA workflows to shorten analysis cycles, improve clarity, and enhance traceability across the delivery lifecycle\nTechnical Modelling: Advanced skills in UML and BPMN modelling with the agility to shift approaches based on project context\nMethodology Mastery: Deep expertise in BA techniques, best practices, and flexible Agile product delivery\nDesirable:\nArchitecture: Solid knowledge of major architectural types (such as microservices, API-led connectivity, or event-driven financial systems)\nDatabases: Practical experience in working with main database types and writing database/SQL queries to validate transaction structures\nAI Product Development: Technical understanding or practical experience in developing AI-based features and AI-driven products (e.g., predictive analytics, intelligent fraud detection, or conversational AI for financial applications)\nFinancial Standards: Familiarity with financial messaging standards (e.g., ISO 20022, SWIFT) or open banking API specifications\nPersonal skills:\nStakeholder Engagement: Proven ability to work with different groups of stakeholders, including C-level, along with experience in setting up a structured stakeholder management approach\nStructured Communication: Fluent or upper-intermediate English language proficiency, with an ability to express complex financial and technical ideas simply, concisely, and in a structured way\nAccountability: High level of personal accountability for your own scope of work, strictly following the \"said and done\" principle\nGrowth Mindset: Eager to learn and grow, naturally curious, keen on constant self-development, and proactive in suggesting new ideas or alternative solutions\nLeadership & Mentorship: Capable of assessing the tasks of less experienced colleagues and providing constructive feedback\nWhat’s in it for you?\nRegular salary reviews based on performance\nCorporate events: webinars, offline parties, and meetups\nInternal Mobility Program\nTailored education path (including full access to Udemy, certifications, etc.)\n25 paid days off: 20 business days of vacation per calendar year + 5 undocumented sick leave days\nAdditional health insurance\n100% company-covered Multisport card, with discounts available for family members\nAbout us:\nAt Ciklum, we are always exploring innovations, empowering each other to achieve more, and engineering solutions that matter. With us, you’ll work with cutting-edge technologies, contribute to impactful projects, and be part of a One Team culture that values collaboration and progress.\nSince expanding to Bulgaria in 2022, we’ve been building a fast-growing team that thrives on learning, collaboration, and innovation. Join us on this exciting journey and help shape the future of our delivery center.\nExplore, empower, engineer with Ciklum!\nInterested already? We would love to get to know you! Submit your application. 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