Job Description

Join our team as a Senior Business & System Analyst in Cards domain!

Yes, you can! That's our attitude towards our work, ambitions, ideas, and relationships. We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them, professionally and personally.

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

If you enjoy solving complex business challenges, bridging the gap between business and technology, and driving meaningful change, we invite you to join our Cards team as a Senior Business & System Analyst.

How You Will Make an Impact

• Partner with Product Owners, Product Managers, Architects, and Engineering teams to translate business needs into scalable solutions
• Drive discovery activities, workshops, and requirements gathering sessions with key stakeholders
• Define and maintain business requirements, user stories, acceptance criteria, process flows, and functional specifications
• Perform impact assessments across systems, integrations, and customer journeys
• Design solution concepts and collaborate with technical teams on APIs, data flows, and integrations
• Support delivery of new products, customer journeys, regulatory changes, and strategic initiatives
• Ensure requirements quality throughout development, testing, and implementation
• Facilitate collaboration across business and technology teams while managing dependencies and supporting decision-making
• Identify opportunities to improve processes, challenge existing ways of working, and drive continuous improvement

What Makes You a Great Fit

• At least 5 years of experience as a Business Analyst, System Analyst, Functional Analyst, or in a similar role
• Experience working in Agile product organizations and cross-functional teams
• Strong requirements engineering, analysis, and documentation skills
• Experience creating process models, user stories, acceptance criteria, and solution specifications
• Experience working with APIs, integrations, and data flows
• Strong analytical thinking, problem-solving, and stakeholder management skills
• Ability to independently drive initiatives from discovery through implementation
• Proactive mindset with the confidence to challenge assumptions and propose improvements
• Ability to balance business needs with technical considerations and operate effectively in complex environments
• Fluent English is required in spoken and written communication due to collaboration across the Baltics

It Would Be an Advantage If You Also Have

• Experience within Cards Issuing, Payments, Banking, or Financial Services domains
• Knowledge of card management systems and card issuing processes
• Understanding of Visa and Mastercard ecosystems
• Knowledge of card authorization flows, transaction lifecycles, and ISO 8583 messaging
• Experience with tokenization, digital wallets, and modern payment solutions
• Experience delivering regulatory or large-scale transformation initiatives

Why You Will Love Working Here:

• Gross salary. 3,180-4,780 EUR/month, which is to be determined depending on your level of experience and competencies
• Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
• International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
• Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored
• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Paid leave. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year
• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor's note needed
• Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life
• Professional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc
• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor

The application deadline is the 10th of the October. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!