At xpate, we are building modern payment infrastructure for businesses operating across borders. Our platform combines acquiring, banking, compliance, and automation into a single ecosystem that helps companies scale globally.
We are looking for a System Analyst who is comfortable working in complex technical environments and can bridge business needs with engineering execution. This role requires strong analytical thinking, solid understanding of fintech and payment systems, and the ability to translate product and business goals into clear technical requirements.
Analyze, document, and continuously improve our acquiring platform, banking rails, and payment infrastructure.
Work closely with Product, Engineering, and business stakeholders to translate business requirements into clear system requirements, technical specifications, and solution designs.
Participate in the integration of new payment providers, banking partners, and external services.
Define system workflows, data flows, API requirements, integration logic, and acceptance criteria for new and existing product initiatives.
Collaborate with engineering teams to design solutions for current technical challenges and future business goals.
Review technical implementation details where needed, including API contracts, data models, logs, and, when relevant, code-level logic.
Contribute to improvements in scalability, reliability, automation, and operational efficiency across payment and banking processes.
Prepare and maintain high-quality documentation, including functional specifications, process diagrams, user stories, acceptance criteria, API documentation, and technical notes.
Identify opportunities for automation, process optimization, and platform improvements.
Support delivery by clarifying requirements, validating implemented solutions, and ensuring alignment between business objectives and technical execution.
Contribute to an ambitious product roadmap in a fast-growing fintech environment.
3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst, preferably in fintech, payments, banking, or financial systems.
Strong experience documenting business processes, system integrations, APIs, technical workflows, and solution logic.
Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure.
Experience working closely with software engineers in product teams.
Good understanding of AWS services and cloud-based architectures. Experience with services such as DynamoDB, Lambda, Aurora DB, SQS, EventBridge, or similar tools is a strong advantage.
Ability to read technical documentation, analyze API behavior, understand data flows, and work with technical implementation details.
Ability to review code logic or technical implementation at a basic level is a plus.
Strong analytical thinking and the ability to break down complex technical problems into clear requirements and practical solutions.
Experience with Jira, Confluence, BPMN, UML, sequence diagrams, or similar documentation and modelling tools.
Strong communication skills and confidence working with both technical and non-technical stakeholders.
English level B2+ or higher, as you will work in an English-speaking team.
High personal ownership, proactive mindset, and genuine motivation to build and improve products.
Practical experience using AI tools to speed up analysis, documentation, problem-solving, or research.
- A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
- Enjoy flexible working hours, hybrid / remote work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
- Apple hardware and modern work tools to support your workflow.
- Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off.
- Private health insurance and wellness benefits.
- Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.
You will join a fintech product with ambitious business goals, complex technical challenges, and a substantial roadmap. This is an opportunity to work on real payment infrastructure, influence system design, and contribute directly to the development of scalable acquiring and banking solutions.
xpate’s story
xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.
