Business Analyst Middle [Credit Products]

Join Plata as a Business Analyst in the Credit Products team, responsible for launching new credit products and designing customer journeys. Collaborate across functions to translate business needs into scalable solutions. We are looking for a Business Analyst to join the Credit Products team. The team is responsible for launching a new line of credit products, designing the entire customer journey — from account opening and credit limit assignment to repayments, statements, CRM processes, and ongoing customer servicing.

• •Designing business logic for credit products, including account opening, credit limit assignment, authorizations, repayments, interest calculation, statements, and product lifecycle management
• •Gathering, analyzing, and documenting business requirements (BRDs, User Stories, Acceptance Criteria)
• •Preparing process diagrams, product documentation, and maintaining the product knowledge base
• •Defining business requirements for CRM, DWH, analytics, and operational processes
• •Coordinating cross-functional workstreams and aligning Product, Engineering, Legal, Risk, Finance, and Operations teams
• •Collaborating with external partners, including payment processors, KYC, antifraud, insurance, and communication providers
• •Conducting market research and competitor analysis to identify best practices and product opportunities
• •Working with product metrics and business performance indicators, including conversion funnel, approval rate, utilization, CAC, and unit economics
• •Supporting delivery throughout the full product lifecycle, from discovery and implementation to release and post-launch improvements
• •Tracking project progress, managing dependencies, and communicating delivery status across multiple initiatives

• •Relocation support to Colombia with assistance for the employee and their family
• •Flexible work from our office
• •Healthcare Coverage
• •Education Budget: Language lessons, professional training and certifications
• •Wellness Budget: Mental health and fitness activity reimbursements
• •Vacation policy: 20 days of annual leave and paid sick leave

• •2–4 years of experience as a Business Analyst, System Analyst, or Product Analyst
• •Experience working with fintech, banking, credit products, card products, or payments
• •Strong ability to understand and structure complex business logic
• •Proven experience gathering, documenting, and managing business requirements
• •Experience working with multiple cross-functional teams and coordinating stakeholders
• •Basic understanding of REST APIs, integrations, and Postman
• •Basic SQL knowledge and understanding of relational databases
• •Strong analytical mindset with the ability to work with data, product metrics, and business performance indicators
• •Excellent communication and stakeholder management skills
• •B2 or higher English level for effective communication with an international team