Business Analyst Payment & Open Banking (m/f/d) in München

Business Analyst Payment & Open Banking (m/f/d)

Are you familiar with payment processes, skilled at analysing complex requirements and keen to help develop our payment products?

Business Analyst Payment & Open Banking (m/f/d)

Do you have several years of experience in Payments and Open Banking and know what makes a successful customer and merchant journey, from onboarding and KYC to payment processes, merchant portals, data and reporting?

Join our team as a Business Analyst Payment & Open Banking (m/f/d) and help shape the further development of our payment products. You structure complex requirements and work closely with Product Management, Engineering and other departments to turn them into sustainable solutions.

About the job

• You analyse and structure complex business and regulatory requirements from Business, Product Management, IT and Compliance in the Payments and Open Banking environment. You translate them into clear user stories, functional specifications and technical requirements for our development teams.
• You support our payment products and processes from the initial idea through conception and implementation to ongoing development.
• You work across the entire customer and merchant journey, from onboarding and KYC/KYB to payment flows, payouts, refunds, and reporting. You also support the design and further development of merchant portals, onboarding processes, and self-service features.
• You analyse existing processes as well as payment and process data. You identify opportunities for optimization and automation and use the insights gained to improve products and business processes.
• You work closely with Product Management, Engineering, IT, Compliance, Legal, and other stakeholders to ensure a shared understanding of requirements.
• You challenge existing solutions, ask the right questions, and contribute your expertise to developing pragmatic and scalable solutions.

About you

Your profile

• Professional Experience: You have several years of professional experience as a Business Analyst, Product Analyst, Requirements Engineer, or in a comparable role.
• Payment Expertise: You have solid knowledge of Payments or Open Banking. Ideally, you have already contributed to the development or further improvement of relevant products and processes.
• Process Understanding: You have an end-to-end understanding of payment processes, including regulatory requirements, and know how the individual steps are interconnected.
• Requirements Management: You have experience defining business requirements and creating user stories, process models, and functional specifications.
• Analytical Approach: You work in a structured, analytical, and independent manner and enjoy collaborating with different teams to develop solutions.
• Communication Skills: You can clearly communicate complex business concepts to both technical and non-technical stakeholders.
• Language Skills: You have excellent German and English language skills (at least C1 level in both languages).

What we offer

Your advantages and benefits at finAPI

To make a real impact, you need a working environment where you feel comfortable and can continue to grow. At finAPI, we value an open company culture, direct communication and flat hierarchies. Flexible working arrangements help you balance your professional and personal life. We also warmly welcome you back after a career break.

As a growing, profitable FinTech company, we offer you a stable working environment, exciting responsibilities and a range of attractive benefits:

• An attractive annual target salary starting at €70,000 gross, depending on your experience and qualifications.
• A permanent, full-time position with a start date as soon as possible.
• 30 days of annual leave based on a five-day working week.
• Flexible working hours, a remote-first model with just one office day per month in Munich and workations by arrangement.
• Individual training and development opportunities to support your personal and professional growth.
• A monthly meal allowance of up to €50 through Lunchit.
• Modern offices in Munich-Schwabing, close to Olympiapark.
• Recognised as a Great Place to Work® in 2025 and 2026.

About finAPI

Who we are and what we do

At finAPI GmbH, we are shaping the future of Open Banking and Open Finance in Europe – and you can be part of it! As one of the leading companies in this field, we develop innovative software solutions in the areas of Open Banking, Data Intelligence, KYC, and Payment.

Our products not only enable the aggregation and analysis of financial data, but also create real value for businesses: from automated credit checks and digital payment processing to identity verification processes, finAPI offers intelligent solutions for companies in a wide range of industries.

With over 400 clients – including banks, fintechs, e-commerce, insurance, and software companies – we are driving innovation in Europe and setting new standards in Open Finance.

Any questions about the job as Business Analyst (m/f/d)?

If you have questions about the vacancy for Business Analyst Payment & Open Banking (m/f/d) or the application process, we will be happy to answer them. Please contact us.

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