IT Business Analyst (Mid/Senior)

Job OverviewJob Title: IT Business Analyst (Mid/Senior)
Team: ITBA Team
Direct Manager: Associate ITBA Manager
Working Location: Lottery Tower, 77 Tran Nhan Ton, An Dong Ward, HCMC
Established in 2019 as Vietnam's pioneering Buy Now, Pay Later provider, Fundiin is evolving into a data-first, AI-enabled platform for financial services in 2026. Fundiin partners with leading banks and financial institutions to orchestrate and optimize the distribution of a wide range of products - from BNPL and personal loans to credit cards - through a single, seamless app.
Job Summary We're looking for an IT Business Analyst to join the ITBA team - the team building core technical systems for decisioning, customer data, and financial reconciliation - while also owning specific stages of the lending flow (eKYC, application, underwriting integration, disbursement, or repayment). This role requires understanding both the platform's core systems and the end-to-end lending business, and suits someone with a product mindset, system thinking, and a drive to grow in fintech.
What You'll Do 1. Core systems & requirements
Gather, analyze, and document business & system requirements for the team's core technical systems (decisioning, customer data, reconciliation).
Work with Dev, QC, and Data teams to design APIs, data flows, and business logic; ensure requirements translate accurately into functional design.
Analyze current business workflows to identify gaps and propose system improvements.
2. Lending flow ownership
Own detailed specs for a specific stage of the lending flow (e.g., eKYC, application, disbursement, or repayment), as assigned, building toward broader end-to-end ownership over time.
Write clear, structured user stories, acceptance criteria, and edge cases for assigned features, following the INVEST standard.
Flag inconsistencies or gaps in specs before handoff to engineering.
3. Lender & partner integration
Support merchant integration and other internal operational activities.
Assist in documenting lender-specific data exchange and integration touchpoints.
Support UAT coordination with QC, partners.
4. Credit decisioning integration
Assist in documenting the input/output structure of the lending flow ↔ decisioning API integration point.
Support API spec drafts based on defined requirements.
5. Delivery, QA & collaboration
Manage the backlog, write User Stories following the INVEST standard, and participate in sprint planning and grooming sessions.
Support QA/UAT with detailed test cases, test scenarios, and acceptance criteria.
Work with internal stakeholders and partners to gather and clarify requirements.
Write and maintain BRD/PRD/User story, ensuring traceability.
Communicate blockers and risks promptly; collaborate with engineering, risk, and operations teams on assigned work items.
Who We're Looking ForMust-Haves
At least 2 years of experience as an IT Business Analyst, preferably in fintech, banking, digital lending, or digital products.
Strong understanding of system flow, API integration, and business logic modeling; comfortable working with large, interconnected systems.
Experience writing structured user stories, acceptance criteria, and test scenarios.
Has a product mindset: prioritization, backlog management, and writing clear, traceable requirements.
Hands-on with Jira, Confluence, Postman, Swagger, Figma, and basic SQL queries.
Comfortable using AI tools (Claude, ChatGPT, or equivalent) for drafting requirements and iterating on output.
Strong communication skills, able to work effectively with stakeholders, Dev, and QC in an agile environment.
Responsible, proactive, and committed to continuous self-improvement, with willingness to grow into broader end-to-end flow ownership.
Nice to Have
Experience in lending, credit risk, or payments; exposure to loan origination, underwriting, disbursement, or repayment flows.
Understanding of data modeling or rule-based/decision logic.
Familiar with eKYC, credit bureau integration, or fraud prevention concepts.
Experience with AI-powered products (chatbots, automation, recommendations).
Familiar with Scrum/Agile methodology.