Senior IT Business Analyst

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.

1. 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

1. 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

1. 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

1. 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

1. 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

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

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