Expert IT Analyst (Retail & Mobile Payments - Nordic Wallets & eCom)

Job ID: 6906

At Nordea, our customers' expectations for simple, secure and seamless digital payment experiences are growing rapidly. Our Service Domain, Retail & Mobile Payments, plays a key role in meeting these expectations by delivering mobile payments, bill payment services and digital wallet solutions across the Nordics. Together, we enable trusted, high-quality payment experiences for millions of customers and businesses.

Welcome to Group Technology, where we pride ourselves on engineering solutions and direct Nordea’s transformation by providing a holistic technological view and structured understanding of the bank, and its surrounding environment to enable the Customer Vision and the Business Strategy.

We are now looking for an IT Expert Analyst to join the Nordic Wallets & eCom ART, leading and driving analysis and solution design related to the Digital Euro and its impact on Nordea’s payment ecosystem.

Nordea is a place where traditions meet tomorrow. We're not just a bank, we're a tech employer on a mission to evolve finance securely and responsibly. Together, we impact millions of people’s daily lives by ensuring they can access our solutions anytime, anywhere, while safeguarding their personal data and wealth. Join us in making an impact on the banking industry.

About our team

Welcome to Retail & Mobile and the Nordic Wallets & eCom ART, where we build and evolve Nordea’s digital payment capabilities across the Nordic markets.

In this role, you will bridge business and technology, helping Nordea prepare for one of the most significant transformations in the European payments landscape. You will work closely with business stakeholders, architects, product teams, engineers, security and compliance specialists, and relevant external participants to understand emerging requirements, assess impacts and translate strategic objectives into actionable deliveries.

You will combine deep analysis and stakeholder collaboration with modern AI-assisted ways of working. This includes using approved AI tools for requirements discovery, structured specifications, impact analysis, documentation, testing preparation and decision support.

We support strategic payment initiatives spanning digital wallets, e-commerce payments and the emerging Digital Euro ecosystem. As European institutions and market participants shape the future of digital money, our role is to help ensure that Nordea is prepared to offer secure, resilient and customer-centred payment experiences.

As an Expert Analyst, you will work across business and technology domains, turning complex regulatory, customer, operational and technical questions for Digital Euro into clear direction for decision-making and delivery.

What you will be doing

- Analyse Digital Euro requirements, frameworks and market developments, and assess their impact on Nordea’s payment landscape.

- Work with business stakeholders to understand needs, challenge assumptions, clarify priorities and define a clear delivery scope.

- Translate business objectives and regulatory requirements into structured functional requirements, specifications, user journeys, acceptance criteria and decision material.

- Facilitate workshops involving business, product management, architecture, security, compliance, operations and engineering.

- Evaluate impacts across digital wallets, e-commerce journeys, payment flows, customer channels, operational processes, data and supporting systems.

- Support roadmap planning, backlog refinement, delivery prioritisation and strategic decision-making.

- Create clear documentation and presentations for both technical and management audiences.

- Act as a trusted advisor on the Digital Euro and related payment innovations.

- Use AI-assisted analysis to accelerate research, requirement discovery, synthesis, traceability and documentation while ensuring quality, confidentiality and human accountability.

- Apply Spec-Driven Development practices so that requirements and specifications are clear, testable, traceable and suitable for implementation.

- Build and maintain high-quality business and technical context that enables effective collaboration between stakeholders, delivery teams and AI-assisted engineering tools.

- Contribute to improved AI-assisted ways of working across analysis, design, development and testing.

This role is located in Helsinki, Finland or Tricity, Poland.

Who you are

At Nordea, we value collaboration, ownership, passion and courage. These qualities are essential as we continue modernising critical payment capabilities and serving millions of customers across the Nordics and now implementing the Digital Euro solution.

To succeed in this role, we believe you:

- Passionate about payments, digital transformation and emerging financial technologies.

- Curious about how AI is changing analysis, product development and software engineering.

- Able to understand complex topics and explain them in plain, actionable language.

- Comfortable navigating ambiguity and shaping direction while requirements and market conditions are evolving.

- Self-driven, structured and able to take ownership from early analysis through implementation and production readiness.

- Strong in stakeholder management, communication and cross-functional collaboration.

- Analytical and solution-oriented, with the ability to break complex challenges into practical next steps.

- Committed to quality, evidence-based analysis, responsible AI use and continuous learning.

- Collaborative and willing to share knowledge and improve team practices.

Your experience and background

Required

- Experience as an Expert Analyst, Business Analyst, Product Analyst, Requirements Engineer or in a comparable role.

- Experience translating business and regulatory needs into functional and technical requirements.

- Hands-on use of AI tools for analysis, requirements gathering, documentation, backlog refinement, impact analysis and test preparation.

- Practical understanding of Context Engineering for AI-assisted analysis and software delivery.

- Experience facilitating workshops and aligning stakeholders with different perspectives and priorities.

- Experience in an agile or hybrid delivery setup, supporting changes from idea through production.

- Ability to understand system architecture and contribute to design choices that balance customer value, compliance, security, performance and maintainability.

- Ability to communicate effectively with both senior business stakeholders and technical specialists.

Good to have

- Knowledge of the Digital Euro, European payments, instant payments, open banking or related regulatory and market initiatives is an advantage.

- Strong understanding of payments, digital wallets, digital banking, e-commerce or adjacent financial services.

- Experience applying baseline for Spec-Driven Development or other specification-led delivery practices.

What makes this role matters

The Digital Euro could reshape how people and businesses pay across Europe. In this role, you will help Nordea turn evolving policy, customer and technology questions into clear requirements, trusted context and executable specifications for future payment experiences.

You will work on highly strategic initiatives at the heart of Nordea's payment ecosystem, help shape the adoption of AI-enabled engineering practices, and contribute directly to the implementation of Digital Euro. The role combines the breadth of architecture with the depth and impact of hands-on engineering leadership.

What we offer

Collaboration. Ownership. Passion. Courage. These are the values that guide us in how we work and how we make decisions – and that we imagine you share with us.

People are driven by many different factors. For some, it’s to take their career to the next level. For others, it’s to break new ground within their area of expertise – in other words, with us, you will always move forward.

A culture that fosters performance and growth in one of the largest Nordic banks, offering various opportunities to evolve, develop and learn from brilliant colleagues with diverse backgrounds in a vibrant working environment.

Hybrid working model – we believe in the value of bringing people together and at the same time we embrace the freedom of flexibility.

Diversity and inclusion are a natural part of our daily work. We know that an inclusive workplace is a sustainable one. We genuinely believe that our diverse backgrounds, experiences, characteristics and traits make us stronger together. Every day we strive to find new ways to improve diversity and inclusion within our community e.g. we have signed the European Diversity Charters in the countries where we operate to show our commitment and engage with others to continue learning and improving.

If this sounds like you, get in touch!

Next steps

Submit your application no later than 17/11/2026.

We enable dreams and aspirations for a greater good.

We build relationships. We add a personal touch to everything we do – when advising our customers, collaborating with colleagues, and meeting our potential candidates.

We learn and develop. We take pride in being experts and thinking ahead. We use our expertise to meet our customers’ needs, from the simplest to the most complex. We bring a growth mindset to our work that enables us to focus on a broader perspective in our daily challenges.

We lead change. We are responsible and aware of the impact of our decisions, both for our customers and for our local and global communities. Mindful of our responsibility towards current and future generations, we have made sustainability an integrated part of our business strategy.

We are Nordea. We have a 200-year history of supporting and growing the Nordic economies and our values are deeply rooted in these open, progressive and collaborative societies. As one of the biggest employers in the Nordics, Poland and Estonia, you have excellent opportunities to evolve, develop and move forward with us.

Studies show that members of underrepresented communities don’t apply for jobs unless they tick all the qualification boxes. If this is part of why you hesitate to apply, we would like you to reconsider and give it a chance. Maybe your profile fits our needs much better than you think.

Only for candidates in Finland: A security clearance will be performed for the person selected for this position.

Only for candidates in Poland: Please include permit for processing personal data in CV as following:

In accordance with art. 6 (1) a and b. Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) hereinafter ‘GDPR’. I agree to have: my personal data, education and employment history proceeded for the purposes of current and future recruitment processes in Nordea Bank Abp.

The administrator of your personal data is: Nordea Bank Abp operating in Poland through its Branch, address: Aleja Edwarda Rydza Śmiglego 20, 93-281 Łodź. Your personal data will be processed for the recruitment processes in Nordea Bank Abp. You have a right to access your personal data, right to rectify and right to delete. Disclosing the personal data in the scope specified by the provisions of Polish Labour Code from 26 June 1974 and executive acts are mandatory. Providing personal data is necessary to conduct the recruitment processes. The request for the deletion of your personal data means resignation from further participation in recruitment processes and causes the immediate removal of your application. Detailed information concerning processing of your personal data can be found at: https://www.nordea.com/en/doc/nordea-privacy-policy-for-applicants.pdf

We reserve the right to reply only to selected applications.