BryanAnanda
Senior Business Analyst — Payments · Fintech · Web3 · API Design
I turn ambiguous payment requirements into products engineers can ship — BRDs, API specifications, and AI-accelerated delivery I personally validate. 4+ years owning the space between business intent and built product in Indonesian payments.
Senior Business Analyst at E2Pay (Fiuu / Razer Merchant Services) — 4+ years turning ambiguous payment requirements into BRDs, API specs, and Change Request docs engineering teams build from directly.
Master of Information Systems Management, BINUS University. Based in Jakarta, Indonesia.
ABOUT
The analyst engineers ask for by name.
Every failed project I've seen died in the same place: the gap between what business meant and what engineering built. My job is closing that gap.
I'm a Senior Business Analyst at E2Pay (a Fiuu / Razer Merchant Services subsidiary), working across the Indonesian payment ecosystem — QRIS, merchant onboarding, payment APIs, and settlement. I was promoted to Senior BA after consistently shipping documentation that engineering teams could build from without a second meeting — the track record I'm now building on for my next step: Product Owner or Product Manager.
My edge isn't the tools — it's knowing how to direct them. AI can turn a week of drafting into a day's work, but only for someone who feeds it the right context, breaks the problem down clearly, and validates every line that comes back. I treat myself as the owner of the deliverable, not the model: AI moves faster, I still decide and take responsibility for what ships. That combination — context engineering, problem-solving, and full ownership of the outcome — is what makes me efficient, not just fast. I now coordinate and mentor BA staff, and report directly to Head-level stakeholders.
I also work cross-border with parent-company teams in Malaysia, translating regional product direction into requirements that fit Indonesian regulation and market reality. I hold a Master's in Information System Management from BINUS University.
HOW I WORK
From ambiguity to approval, in four moves.
The same discipline behind every initiative I run — whether it's a QRIS API or an internal AI rollout.
Discover
Interview stakeholders, map the current process, and find the real problem — which is rarely the one in the ticket.
Define
Turn findings into scoped requirements with clear boundaries: what ships, what waits, and what the risks are.
Document
Produce BRDs, FRDs, and API specs engineers build from directly — accelerated by AI workflows, verified by hand.
Deliver
Guard the build through UAT, guide sign-off, and close the loop with knowledge-sharing so the team owns it after me.
TRACK RECORD
Experience
Senior Business Analyst
E2Pay — a subsidiary of Fiuu (formerly Razer Merchant Services) · Jakarta
- Own key product initiatives end to end, reporting progress directly to Head-level stakeholders across divisions.
- Coordinate and mentor 2 BA staff — assigning, reviewing, and quality-controlling deliverables against product goals.
- Directs AI (Claude, GPT) as a force-multiplier for BRDs, FRDs, and API specs — supplying context and judgment, then validating every output, cutting documentation time by ~40%.
- Proposed and authored requirements for an internal AI automation initiative — chatbot and intelligent workflow (in progress).
Business Analyst / System Analyst
E2Pay — Jakarta, Indonesia
- Authored the API specifications behind QRIS merchant onboarding automation — supporting 200+ merchant registrations.
- Digitized the project approval flow from paper to Jira-automated workflow, cutting the cycle from ~5 days to ~2.
- Architected and rolled out Jira Software & Jira Service Management company-wide, driving adoption across teams.
- Streamlined change management — authored standardized Change Request (CR) documentation that kept technical changes aligned with business objectives and payment-processing requirements.
Business Analyst Intern — HRIS Project
Phintraco Consulting (PhinCon) · Jakarta
- Authored Functional Requirement Documents, user guides, and activity diagrams for HRIS modules.
- Ran end-to-end, CRUD, and User Acceptance Testing; presented outcomes independently in sprint reviews.
- Managed improvement and maintenance backlogs in Jira, collaborating across the division to close them.
- Logged and tracked bug/defect reports surfaced during CRUD and UAT cycles, working with developers to verify fixes before sign-off.
SELECTED WORK
Initiatives, with receipts.
Every card ends with the outcome — because "responsible for" is not a result.
QRIS Merchant Onboarding Automation
Manual merchant registration was slow and error-prone. I authored the API technical specifications that turned it into a defined, automated, repeatable flow.
Approval Flow: Paper → Digital
Project approvals lived on paper — slow, untraceable, easy to lose. I led the move to a digital flow, then layered Jira automation on top to kill manual follow-ups.
Company-wide Jira & Agile Adoption
Teams tracked work in scattered spreadsheets. I architected Jira Software and Jira Service Management aligned to the product vision — then drove the adoption, not just the setup.
Scoping an Internal AI Automation Initiative
Proposed and authored the requirements for an internal AI-assisted chatbot and workflow tool — defining use cases and aligning stakeholders ahead of the build. I hold my own AI-assisted work to the same standard: supply the right context, then personally validate everything it produces.
Automated Multi-Channel Reconciliation Engine
I designed the automated reconciliation engine that integrates 23 distinct payment channels, instantly parsing and matching transaction records between the payment gateway ledger and bank/e-wallet/QRIS reports to eliminate manual spreadsheet work.
Next Initiative (TBA)
Currently defining requirements for the next payment gateway automation module. Details will be released upon stakeholder approval.
ENDORSEMENTS
Records of Merit
Direct feedback from colleagues and managers who have built products alongside me.
"Bryan is highly persistent at work, has a strong spirit, can work independently & in a team, and has excellent attention to detail. He also shows high initiative in helping team members, is capable of conducting research, and has the ability to create detailed development support documents and testing results."
"Bryan is a Business Analyst who can work well with a team and independently in completing tasks, has a sense of ownership in every task given, and can directly apply the given directions."
"Bryan is a reliable person when working on his tasks. He is meticulous, persistent, and thoughtful."
"Bryan Ananda is a Business Analyst who can work very well (both individually and in a team), is confident, and can analyze tasks well."
THE LAB
Craft, beyond the day job.
Product experiments, templates, and decks — curated here as each one is ready for the public.
Product case study
A build-in-public breakdown of a product I'm shaping — the problem, the decisions, the outcomes.
COMING SOONTemplates & frameworks
The Change Request and bug-report templates I actually use in the field — free to download and adapt for your own team.
Decks & talks
Selected presentations, redesigned for public release.
COMING SOONCAPABILITIES
Skills
Payment Domain
The Indonesian payment stack, from regulation to rails.
Documentation & Analysis
Specifications engineers build from without a second meeting.
AI & Automation
Adopted early, directed with judgment — the multiplier, not the shortcut.
Tools & Design
From backlog to mockup to database query.
PERSPECTIVE
Where payments go next.
A point of view, not a buzzword list — grounded in the rails I work on today.
I've studied Bank Indonesia's Digital Rupiah white paper (Proyek Garuda) in depth — its DLT architecture, wholesale-vs-retail design choices, and what smart contracts mean for settlement and reconciliation. Not because it was assigned, but because it's where my industry is heading.
My thesis: QRIS proved Indonesia can leapfrog payment infrastructure at national scale. Tokenized money — CBDC and stablecoins — is the next rail. And products on that rail should be designed by people who understand today's rails: settlement, reconciliation, merchant onboarding, and the regulatory reality of BI and OJK.
That's what I bring to a Web3 product team: not hype, but requirement discipline — translating tokenized-settlement ideas into specs that survive contact with regulation and real merchant behavior.
EDUCATION
EDUCATION
M.S. Information System Management
GPA 3.86 / 4.00B.Sc. Information Systems
GPA 3.47 / 4.00Graduate coursework certificates (2024): Business Intelligence & Analytics · Digital Business Transformation · IS Strategic Planning · IS Research Methodology — BINUS University.
Let's close the gap between
business and build.
Open to Senior Business Analyst and Product roles in fintech, payments, Web3, and consulting — Jakarta or remote-regional.