Job Overview

Job title: Senior IT Business Analyst
Direct Manager: CTO
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 and seamless app.

Leveraging proprietary data and AI-driven decisioning, Fundiin matches consumers with the most relevant offers, improving approval rates, user experience, and partner performance. By delivering a fully digital, end-to-end journey, Fundiin enables millions of users to access financial products with greater clarity, confidence, and control.

Job Summary:

As a Senior IT Business Analyst at Fundiin, you will own the end-to-end lending flow — from eKYC and application through underwriting integration, disbursement, and repayment. You will collaborate with engineering, risk, operations, and external partners to deliver and standardize lending flows across Fundiin's product portfolio.

This is a high-ownership role at the core of Fundiin's lending platform — you will be the person who knows how the full flow works, where the gaps are, and what needs to change as we scale.

Accountabilities

End-to-end lending flow ownership

Own and document the full lending flow: eKYC & identity verification, loan application, credit decisioning integration, disbursement, and repayment
Define system flows, data flows, and business logic for each stage — ensuring specs are complete and unambiguous before handoff to engineering
Identify gaps and edge cases as new products or lenders are onboarded
Maintain living documentation of the lending flow as it evolves

Key Accountabilities

Support onboarding of new financial institution partners — define integration requirements, data exchange, and flow touchpoints
Document lender-specific flows for underwriting handoff and disbursement
Coordinate with external partners and internal teams to ensure integrations are complete and well-tested

Credit decisioning integration

Define the integration interface between the lending flow and Fundiin's credit decisioning system — input, output, and error handling
Translate business requirements into clear API specs for the decisioning integration point
Own the connection between lending flow and decisioning API — not the decisioning logic itself

AI-native workflow

Use AI tools (Claude, Claude Project) daily to draft PRDs, generate Jira stories, structure requirements, and prepare grooming materials
Work within Fundiin's AI-native development process — AI drafts, human approves
Continuously improve AI skills and contribute to refining team prompting standards and workflows

Delivery & collaboration

Participate in sprint planning and contribute to technical and product discussions
Support QA and UAT with detailed use cases, test scenarios, and acceptance criteria
Proactively flag risks, blockers, and gaps before they impact delivery
Act as a reference point for teammates on lending flow questions and best practices

Qualification & Experiences

Must Have

5+ years of experience as an IT Business Analyst in fintech, banking, or digital lending
Hands-on experience with end-to-end lending flows — loan origination, underwriting, disbursement, repayment — or equivalent payments/financial product flows
Strong understanding of system integration, API design, and data flow documentation
Experience writing clear, structured specs — user stories, acceptance criteria, edge cases, and API requirements
Hands-on with Jira, Confluence, Postman/Swagger, Figma, and SQL
Comfortable using AI tools (Claude, ChatGPT, or equivalent) in daily work — writing prompts, reviewing AI output, and iterating to get quality results
Strong analytical thinking — able to map complex flows, identify gaps, and propose clear solutions
Strong ownership mindset — drives clarity, does not wait to be told what to do

Nice To Have

Experience with eKYC, credit bureau integration, or fraud prevention systems
Experience standardizing flows across multiple products or partners
Familiarity with BNPL, consumer lending, or regulated financial products
Experience with AI-powered products or workflow automation
Familiarity with Scrum/Agile methodology

Benefits:

Why you love working with us:

At Fundiin, we believe in fostering a dynamic work environment that encourages personal and professional growth.

Empowerment and Growth:

We offer great autonomy, freedom to make decisions, room to take risks and learn from mistakes.
Get involved from the ground up in creating and developing new products, leading teams, working on innovative projects, and gaining visibility within the industry.

Competitive Benefits:

Enjoy a robust benefits package, including meaningful ESOP options.
Access our premium health care program and annual health checkup.
Receive a budget of 2,400,000 VND per year for professional development.
Take advantage of device allowances or financing options covering up to 50% of new device purchases.

Engaging Work Environment:

Participate in our monthly Town Hall meetings and collaborative sharing sessions.
15 days of annual leave to recharge and pursue personal interests, plus an extra day for every 3 years of service.
Join biannual team-building trips for bonding and connections.
Enjoy free daily drinks and weekly TGIF snacks and beverages