Задачи:
— Анализировать поведение игроков для выявления закономерностей и возможностей.
— Проектировать и анализировать A/B тесты: от постановки гипотез и расчёта размера выборки до интерпретации результатов и предоставления рекомендаций.
— Поддерживать запуск новых функций, предоставляя аналитику для оценки и принятия решений на основе данных.
— Самостоятельно выявлять тренды и аномалии, а не только реагировать на запросы.
— Тесно сотрудничать с продюсерами и гейм-дизайнерами.
— Создавать и поддерживать качественные дашборды в Tableau.
— Проектировать и внедрять новые аналитические события в продукт.
— Вносить вклад в разработку и развитие внутренних аналитических инструментов.
Требования:
— Опыт работы от 1 года в роли Product или Data Analyst в игровой индустрии.
— Продвинутый уровень SQL, опыт работы с BigQuery.
— Мастерство в A/B тестировании, понимание статистики и ограничений.
— Знание метрик F2P и их взаимосвязей.
— Умение создавать профессиональные дашборды в Tableau.
— Навыки коммуникации для простого изложения сложных данных руководству.
— Базовый опыт работы с Git для управления запросами и аналитическим кодом.
— Использование современных AI-инструментов (Claude, Cursor и др.) для повышения эффективности.
Преимущества:
— Знание dbt и понимание моделей данных.
— Владение Python для аналитики (Pandas, визуализация, автоматизация).
— Опыт работы с платформами для экспериментов (GrowthBook).
— Интерес к AI и его практическому применению.
Условия:
— Баланс работы и личной жизни.
— Возможность работать в офисе и удалённо по согласованию.
— Подарки от компании по важным событиям (100 USD).
— Личный депозит на благополучие 250 USD.
— 30 больничных дней в году с 100% оплатой при превышении лимита.
— 19 оплачиваемых отпускных дней в году.
— 12 дней отпуска по уходу, по одному в месяц.
Задачи:
— Проводить исследования рынка и конкурентов для новых стратегических B2B-направлений;
— Общаться с B2B-клиентами (Customer Discovery, интервью, качественный сбор фидбека);
— Готовить сильные материалы для команд Sales/BizDev (питчи, FAQ, онбординг, обработка возражений);
— Детально анализировать метрики после запуска (доход, адаптация фич, фидбек).
Требования:
• Опыт в B2B product-facing роли (Product / Business Analyst, PM, Pre-sales, Implementation);
• Четкое понимание B2B-моделей, коммерческой упаковки и GTM-процессов;
• Отличный английский язык и системное, структурное мышление;
• Использование AI в ежедневной работе (исследования, саммари, документация) для ускорения процессов;
• Плюсом будет практический опыт в доменах Fintech, SaaS или трейдинге.
Условия:
✅ Полная медицинская страховка для твоего здоровья;
✅ Комфортный и современный офис (свежие фрукты каждый день, пицца по средам, снэки по пятницам);
✅ Частичная компенсация занятий спортом и бесплатные уроки греческого языка;
✅ Забота о семье: Welcome Baby Bonus и Baby Box, а также приятные ваучеры на день рождения!
ОфисЛимасол; Компания Spotware Systems находится в поиске сильного и проактивного аналитика на направление B2B New Markets!
Location: New York, New York
About Us:
EvolutionIQ’s mission is to deliver state of the art technology that helps insurance claims teams make claims handling more accurate, fair, and efficient, so that more people impacted by injury or illness can continue their lives with dignity and stability. We are currently experiencing massive growth and to accomplish our goals, we are hiring world-class talent who want to help build and scale internally, and transform the insurance space. Our team is our #1 priority, and we have been named one of
Inc.’s Best Workplaces
3 years in a row and Built In’s Best Places to work in 2025 and 2026!
As a
Business Analyst
on the Data Science & Insights team you will translate complex data into clear, actionable insights that drive operational change and measurable client outcomes. You will work with leaders across DS&I and Client Strategy to identify KPIs and develop robust, scalable, and trustworthy reporting to both track historical metrics and inform resulting business strategy.
You will support technical development across the Data Science & Insights portfolio, from writing SQL queries to developing reusable Python tools to creating Looker dashboards. You will help drive the evolution of scalable client analytics, from automated reporting and self-service QBRs to high-impact ROI storytelling, while acting as a trusted analytical advisor across Product, Client Services, Sales, and Data Science. The quality of your insights will directly influence product direction, client retention, and how the business evaluates and prioritizes opportunities.
Key Responsibilities:
Report Quality:
Review data artifacts to ensure that data transformations are accurate and reporting correctly communicates the metrics in question.
Scale Reporting Infrastructure:
Build out tooling to scale and automate client reporting, while ensuring data is trustworthy. Support contribution to team's github code repositories with strong Python and SQL skills, with a willingness to learn additional tools like dbt
Data Storytelling:
Create high-impact visualizations and business cases that demonstrate the ROI of AI integration to our B2B clients.
Stakeholder Synthesis:
Translate complex model behaviors (e.g., propensity to close, intervention scoring) into actionable insights for claims adjusters and executive leadership through in depth analytics.
Requirement Architecture:
Collaborate with senior DS&I team members to define "Success Events" for new AI features, ensuring that technical builds align with the Behavioral North Star of the product.
Required Qualifications:
5+ years as a Business Analyst or similar role, preferably within Disability Insurance, FinTech, or a SaaS company leveraging Machine Learning.
Analytical Rigor: Proficiency in Python (Pandas, script development), SQL, and data visualization tools (Tableau, PowerBI, Looker) to perform independent "deep dives" into claim performance data.
Strategic Communication: Proven ability to explain the "Why" behind an AI recommendation to non-technical users.
Domain Expertise: Familiarity with claims management workflows, "duration compression" concepts, and the regulatory landscape of disability insurance is preferred
Work-life, Culture & Perks:
Compensation:
The base salary range is
$165-180K,
with flexibility depending on a candidate’s background and experience. An annual bonus plan and company equity plan (RSUs) are also included in our compensation package.
Well-Being:
Medical, dental, vision, short & long-term disability, life insurance and AD&D, and 401k matching. Additional family, wellness, and pet benefits.
Home & Family:
Paid time off and sick leave, 100% paid parental leave (16 weeks for primary caregivers and 12 weeks for secondary caregivers). We offer a flexible schedule for new parents returning to work.
Office Life:
Catered lunches, happy hours, pet-friendly spaces, and monthly technology stipend.
Growth & Training:
$1,000/year for each employee for professional development, as well opportunities for tuition reimbursement.
Sponsorship:
We are open to sponsoring candidates currently in the U.S. who need to transfer their active visa. Please check with our Recruiting team if your visa is applicable for transfer.
EvolutionIQ appreciates your interest in our company as a place of employment. EvolutionIQ is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Задачи:
— Руководство направлением In Vitro discovery и процессного картирования, выступая связующим звеном между лабораторными учёными, экспертами и командой цифровой реализации.
— Планирование и проведение воркшопов и интервью с учёными, экспертами лабораторий, IT-командами и поставщиками.
— Анализ и документирование текущих (As-Is) и будущих (To-Be) рабочих процессов, включая планирование экспериментов, регистрацию, использование ELN, настройку анализов, управление запасами, регистрацию образцов и объектов, лабораторные автоматизации, визуализацию, омics, контроль качества и сбор научных данных.
— Сбор, анализ и структурирование требований к данным, интеграции, управлению и нефункциональных требований.
— Проведение анализа пробелов в возможностях и бизнес-эффекта.
— Перевод сложных научных рабочих процессов в понятные процессы и системные требования для инженерных команд и поставщиков.
— Создание чёткой, структурированной и готовой к управлению документации на протяжении всего проекта.
Требования:
— Опыт не менее 5 лет в бизнес-анализе или аналогичных аналитических ролях в области наук о жизни, биофармацевтики или лабораторной среды.
— Соответствующее образование в области наук о жизни, химии, биологии или смежных научных дисциплин, а также практический опыт работы в лабораторных исследовательских командах или рядом с ними.
— Практический опыт в процессном картировании As-Is / To-Be для сложных научных или лабораторных рабочих процессов.
— Опыт сбора, анализа, документирования и отслеживания требований, способный создавать спецификации, которые могут использоваться командами разработки и поставщиками.
— Понимание лабораторных рабочих процессов, включая ELN, анализы, автоматизацию, визуализацию и омics, достаточное для точного картирования без потери научного смысла.
— Опыт проведения воркшопов с учёными, экспертами лабораторий, IT-командами и поставщиками.
— Опыт анализа требований к данным, интеграции, управлению и нефункциональных требований.
— Опыт проведения анализа пробелов в возможностях и бизнес-эффекта.
— Способность создавать чёткую, структурированную документацию, подходящую для управления и принятия решений.
— Готовность к командировкам в Великобританию при необходимости.
Условия:
— Конкурентоспособная компенсация.
— Удалённая или офисная работа.
— Гибкий график работы.
— Команда с высоким уровнем технической экспертизы.
Location: Cyprus, Ypsonas, Greece
Join FxPro:
a leading international fintech company. Be a part of our expanding international team, with offices in Limassol, London, Nassau, Dubai and Yerevan. FxPro boasts a diverse workforce of over 600 employees representing 40 nationalities, making it an exciting and dynamic workplace. At
FxPro
, we see each team member as an integral part of our success story.
As a
System Analyst
, you will play a key role in the development of FxPro’s core product. You will work closely with product managers, development teams, QA engineers, and other stakeholders to analyze business needs, design system behavior, describe integrations, and prepare clear development-ready specifications.
You will be involved in both new functionality and improvements to existing services, including the analysis of legacy flows, system integrations, and production behavior.
Project and technical context
The product is based on a microservice architecture. The backend is mainly built with Node.js and integrates with multiple internal and external systems using REST, gRPC, and message brokers. The role requires strong analytical skills, technical understanding, and the ability to translate business needs into clear system requirements and development tasks.
Responsibilities
Analyze business needs and transform them into clear system requirements
Design business logic for new and existing microservices
Prepare development-ready artifacts: functional and non-functional requirements, specifications, process diagrams, use cases, user stories, and tickets
Model system interactions and integrations using Sequence diagrams and C4 diagrams
Design and document integration contracts between systems, including REST APIs, gRPC services, and message broker flows
Collaborate with development, QA, product, and other cross-functional teams
Analyze logs and investigate system behavior using tools such as Graylog and Kibana
Perform reverse engineering of legacy functionality and document existing system behavior
Support development teams during implementation and clarify requirements when needed
Maintain comprehensive and structured technical documentation
Requirements
3+ years of experience as a System Analyst
Experience in integration analysis and understanding of client-server interaction principles
Understanding of web services, APIs, REST, OpenAPI, gRPC, and message brokers
Experience with UML, BPMN, ERD, Sequence diagrams, and C4 diagrams
Understanding of databases and ability to read data structures and write basic to intermediate SQL queries
Experience creating detailed system specifications, diagrams, flowcharts, and integration documentation
Ability to analyze complex systems and describe business and system logic clearly
Experience working with development teams and preparing tasks for implementation
Excellent verbal and written communication skills
Strong collaboration and teamwork abilities
Attention to detail and ability to work with incomplete or legacy documentation
Benefits
Competitive compensation package
Medical insurance
Provident fund
In-house gym with a personal trainer
Free daily lunch catering, snacks, and beverages
Company discount card for various products & services
21 days of annual leave and 10 days of sick leave annually
Shuttle bus service from Limassol
Birthday gift
Relocation bonus and visa/work permit support
RELOCATION TO LONDON OR BARCELONA | PERK
Company Perk is an intelligent platform for travel and spend management, automating manual processes to help businesses reclaim lost productivity.
What you will do
Design and maintain efficient ELT pipelines using dbt to transform raw data into clean models.
Implement best-practice data modeling and software engineering techniques, including CI/CD and testing.
Develop comprehensive data quality checks and monitoring scripts to ensure reliability.
Collaborate with analysts and business users to optimize data models for specific analytical use cases.
Tune SQL queries and data models to improve warehouse performance and reduce latency.
Build scalable, compelling data visualizations in Looker for large teams.
Requirements
3+ years of experience in a data-focused role such as Analytics Engineer, Data Analyst, or BI Developer.
Expert-level proficiency in SQL.
Hands-on experience with dbt or similar transformation frameworks.
Experience with cloud data warehouses like Snowflake, BigQuery, or Redshift.
Solid understanding of dimensional modeling and ETL/ELT principles.
Proficiency with Git for version control.
Must be based within commuting distance of London or Barcelona.
Nice to have Python expertise for automation and orchestration.
Experience with semantic layers and orchestration tools like Airflow.
Knowledge of modern software engineering practices applied to data.
Culture & Benefits
IRL-first culture emphasizing connectivity and collaboration.
Opportunity to work in a global, diverse environment with teams across 12 offices.
Focus on professional growth and impact within a fast-growing SaaS company.
Equal opportunity employer committed to diversity and inclusion.
Analytics Engineer | RELOCATION TO UK OR SPAIN | PERK #relocation to #UK or #Spain #fulltime #itjob #analytics https://teletype.in/@courierus/1rJuyt5qEqj; RELOCATION TO LONDON OR BARCELONA | PERK Company Perk is an intelligent platform for travel and spend management, automating manual processes to help businesses reclaim lost productivity; Must be based within commuting distance of London or Barcelona
Задачи:
— Анализ маркетинговой эффективности по каналам, включая платное привлечение, мероприятия, продуктовый маркетинг и производительность сайта.
— Создание, поддержка и улучшение дашбордов для различных маркетинговых команд (performance, продуктовый маркетинг, мероприятия, сайт).
— Поддержка маркетинговых заинтересованных сторон с ад-хок анализами, расследованием метрик и отчетностью (например, объяснение падения лидов или эффективности кампаний).
— Работа с воронками привлечения, маркетинговыми расходами и моделями атрибуции (включая мульти-тач атрибуцию, где применимо).
— Тесное сотрудничество с аналитикой продаж и экономикой единицы для обеспечения согласованных определений, метрик и моделей данных.
— Помощь в улучшении качества данных, согласовании определений метрик и снижении несоответствий в дашбордах и отчетах.
— Поддержка ежедневных аналитических потребностей маркетинговых команд и вклад в долгосрочные улучшения маркетинговой аналитики.
Требования:
— Опыт 3–6+ лет в области аналитики данных с практическим опытом в маркетинговой аналитике.
— Сильные навыки SQL обязательны.
— Практические знания маркетинговых метрик, анализа эффективности кампаний, моделей атрибуции или KPI маркетинга.
— Опыт создания понятных и действенных дашбордов для нетехнических заинтересованных сторон.
— Сильные коммуникативные навыки и способность тесно работать с маркетинговыми заинтересованными сторонами.
— Аналитический склад ума, умение исследовать проблемы, объяснять изменения метрик и превращать данные в действенные инсайты.
— Приветствуется опыт работы с веб-аналитикой, моделированием атрибуции и DBT.
Условия:
— Удалённая работа с гибким графиком без обязательных офисных дней и трекеров посещаемости.
— Дополнительные выходные: день рождения, 10 личных дней в году, 7 больничных без справок, дополнительные выходные на Рождество и Новый год.
— Работа с миссией создания безопасного, доступного и инклюзивного цифрового мира.
— Конкурентная и прозрачная оплата, ориентированная на рынок.
— Международная команда и проекты, работающие по всему миру.
— Поддержка профессионального роста, обучение и участие в профильных мероприятиях.
— Командные оффсайты несколько раз в год с покрытием расходов.
— Обеспечение необходимыми инструментами и оборудованием для работы.
— Дружелюбная и открытая корпоративная культура.
Этапы найма: скрининг рекрутера, интервью с менеджером по найму, интервью с заинтересованными сторонами, финальное интервью.
УдалённоseniorWe work across continents and time zones, with teammates and customers from all over the world
Location: Tashkent, Uzbekistan
В
DMED
мы создаём масштабные цифровые решения в сфере здравоохранения. Мы ищем
Бизнес-аналитика
, который поможет глубже понимать потребности пользователей, анализировать существующие процессы и находить решения, делающие наши продукты удобнее и эффективнее.
Обязанности:
Сбор и анализ требований:
Cбор и анализ бизнес-требований от медицинских организаций для реализации нового функционала.
Проведение интервью с пользователями и заказчиками (CustDev), выявление потребностей и определение приоритетов.
Анализ требований на полноту и непротиворечивость, предложение оптимальных вариантов решений.
Моделирование процессов и документация:
Исследование и описание текущих бизнес-процессов (AS IS), проектирование целевого состояния (TO BE).
Подготовка и структурирование понятной бизнес-документации.
Кросс-функциональное взаимодействие:
Согласование предлагаемых решений с заказчиками совместно с системным аналитиком.
Взаимодействие с командами разработки, аналитики и внедрения на всех этапах реализации задач.
Requirements
Опыт и компетенции:
Опыт работы бизнес-аналитиком от 2 лет (или участие в проектах по анализу и описанию бизнес-процессов).
Уверенное понимание подходов AS IS / TO BE, умение видеть взаимосвязи между процессами.
Базовое понимание жизненного цикла разработки ПО (SDLC).
Инструменты и нотации:
Базовые знания
UML
и
BPMN
.
Умение строить диаграммы активности (Activity Diagram) и последовательности (Sequence Diagram).
Базовые навыки работы в
Figma
.
Языковые навыки:
Грамотная устная и письменная речь на
русском
и
узбекском
языках.
Знание английского языка будет плюсом.
Будет плюсом
Опыт работы в сфере здравоохранения или медицинских информационных систем.
Опыт взаимодействия с медицинскими учреждениями и понимание принципов работы государственных структур.
Продуктовое мышление и опыт проектирования нового функционала.
Benefits
Официальное трудоустройство;
Работа в развивающейся IT-компании;
Молодой и дружный коллектив;
График работы: пн–пт с 9:00 до 18:00.
Участие в масштабных цифровых и государственных проектах.
Конкурентную заработную плату.
Современный офис с комфортной инфраструктурой.
Простор для карьерного и профессионального роста.
Задачи:
— Проектировать архитектурные решения совместно с командой;
— Собирать, анализировать и согласовывать бизнес- и системные требования;
— Описывать API, интеграции, процессы (UML/BPMN);
— Взаимодействовать с разработчиками, архитекторами, ИБ и владельцами продукта;
— Участвовать в тестировании, приемке функционала и сопровождении разработки;
— Работать с Jira и Confluence, поддерживать актуальность документации.
Требования:
— Опыт работы системным аналитиком от 3 лет в финтехе, банках;
— Английский язык на уровне B2 - C1 (обязательно для коммуникации с иностранными коллегами и клиентами);
— Практический опыт работы с BPMN/UML;
— Уверенный SQL (JOIN, оконные функции и др.);
— Четкое понимание REST/SOAP, JSON/XML, Swagger;
— Опыт работы с инструментами Jira, Confluence;
— Навыки написания качественной технической документации.
Плюсом будет:
— Опыт в биометрии, криптографии, ЭП;
— Знание и опыт работы по методологии docs-as-code.
Условия:
— Гибкие форматы сотрудничества (ИП или ТК РФ с прозрачными выплатами);
— Удобный формат на выбор: гибрид в Москве или полноценная удалёнка по регионам РФ;
— Работа в стабильном и технологичном финтех-домене над сложными задачами;
— Полное отсутствие бюрократии и реальное влияние на архитектуру систем.
Обязанности:
• сбор и выгрузка данных по запросу вышестоящего руководства из базы данные (SQL);
• информирование сотрудников IТ-отдела о необходимости внесения изменений в программу по складским операциям или выгрузки данных из операционной БД;
• ведение отчетности в Bi системе (Finebi) - если не было опыта, обучим.
Требования:
• образование: ИТ, математическое, техническое, экономическое;
• базовое знание Exсel;
• навыки чтения и анализа сложных SQL-запросов;
• знание языка SQL (SELECT, INSERT, UPDATE, DELETE, JOIN, оконные функции), ClickHouse;
• желание узнавать новое и развиваться.
Условия:
• график работы 5/2 с 8.30-до 17.30 (обговаривается);
• офис в центре города;
• оформление по ТК РФ (официальное трудоустройство, оплачиваемые отпуск и больничный, все прочие соц. гарантии и компенсации);
• возможность посещения за счет компании групповых спортивных мероприятий;
• корпоративные скидки и бонусы.
Location: Poland
Workplace: remote
Creatio is one of the fastest-growing AI software companies, with quarterly bookings reaching 255% of prior-year results, reflecting strong enterprise demand for AI CRM and workflow automation.With a global team and a large ecosystem of partners, Creatio serves thousands of customers in over 100 countries and automates tens of millions of workflows daily. Genuine care for our clients and partners is at the heart of our DNA.We’re proud to be recognized by top industry analysts as a Leader and Strong Performer in multiple Gartner and Forrester reports. In 2025, Creatio was named to Inc.’s Best Workplaces list, recognizing our commitment to employee wellbeing and a strong workplace culture.Who We're Looking For:No-Code Business Analyst to join our Industries Solutions Engineering Team.In this role, you'll leverage the Creatio platform, which allows you to cover most CRM functionalities with no-code development. You will utilize these tools to create applications and conduct research to determine what is actually needed to solve real-world problems effectively.Key Responsibilities:UI Creation with No-Code Tools: Create application UIs using No-code designer tools, including a drag-and-drop interface for composing UI for pages and sections, simplifying and accelerating the development process.Server Logic Automation: Develop server logic automation using no-code business process tools, similar to a diagram constructor, to implement complex logic for applications, tailored to BPMN notation, leveraging no-code capabilities to streamline automation.Web Services Integration: Create web services for system integration using no-code tools, including designing RESTful APIs and SOAP interfaces to enable seamless data exchange, ensuring adherence to security protocols, and providing documentation for developers and third-party systems.Webhook Services Configuration: Create and configure webhook services using no-code tools to receive requests from external services, ensuring proper authentication, data handling, and logging mechanisms for secure and reliable communication.Database Design: Design database structures using Creatio Objects designer, involving defining tables, relationships, and data fields to ensure scalability, performance, and data integrity.User Story Decomposition: Decompose User Stories into executable tasks for no-code creation.Market Research: Conduct market research to generate insights on competitors, industry trends, and analytical reports (e.g., Gartner, Forrester) to identify opportunities for product improvement.Customer Feedback Gathering: Conduct interviews with end users or solution consultants to gather customer feedback and key product requirements.Collaboration with QA: Collaborate closely with Quality Assurance Engineers to ensure both manual and automated testing of created solutions, guaranteeing high-quality, robust, and reliable outcomes.Version Control: Utilize Git/SVN for version control, ensuring seamless collaboration, code integrity, and efficient management of application changesRequired Skills & Competencies:Proven experience in conducting business analysis and research tasks, including market research, competitor analysis, and gathering business requirements to shape product features.Knowledge of database management, including key principles of T-SQL, data queuing, designing relationships, view models, indexes, and understanding the fundamentals of complex selection queries such as joins and sub-selects.Solid understanding of BPMN notation principles, with the ability to model business processes accurately and efficiently.Proven experience working within software development teams or as a business analyst for IT projects, demonstrating effective collaboration skills.Hands-on experience in configuring information systems through UI-based tools, ensuring optimal user experiences.Strong general understanding of technology concepts, data structures, and integration methods to ensure seamless implementation of no-code solutions.A fast learner, capable of quickly adapting to new UI tools and technologies, with an eagerness to continuously expand your skill set.Proficiency in English, with the ability to conduct interviews and collaborate effectively with international stakeholders.Will be a plus:Demonstrated proficiency with one or more of the following platforms and tools: CRM, BPM, or No-Code Platform/System Experience.Coding skills, with the ability to understand and communicate technical concepts effectively.Proficiency with Figma or similar software for UI prototyping, creating clear and effective user interfaces that enhance the user experience.What to expect from us:Growth & Development: Clear career paths, mentorship opportunities, and access to continuous learning to help you reach your full potential.Flexibility & Well-Being: We provide flexible work arrangements and initiatives that empower you to manage your schedule effectively, stay productive, and thrive both personally and professionally.Recognition & Impact: A culture that celebrates achievements, values your ideas, and empowers you to make real contributions from day one.Innovative Culture: Be part of a company that embraces new ideas, modern technologies, and bold thinking to stay ahead of the curve.Benefits & Rewards Package: We provide competitive compensation and benefits designed to support you and your family. Our rewards approach goes beyond salary, recognizing your contributions and commitment. The exact package may vary depending on your country of residence and employment type.
Задачи:
— Сбор сложных требований заказчиков
— Проектирование интеграций в Enterprise-архитектуре
— Доведение фич до продакшена без лишней бюрократии
Требования:
— Опыт работы от 2 лет аналитиком в области ИТ или бизнес-анализа
— Опыт сбора, формализации требований заказчика и написания ТЗ на разработку ПО и веб-сервисов
— Гражданство РФ и нахождение на территории РФ
— Знание типов, иерархии, жизненного цикла требований и методик их выявления (User Story, CJM)
— Знание нотаций моделирования процессов (BPMN, UML, EPC или других)
— Опыт разработки систем с интеграциями или компонентов в Enterprise-архитектуре
— SQL на уровне написания запросов с группировками, объединениями (JOIN) и вычисляемыми полями
— Понимание моделей жизненного цикла ПО (Водопад, Agile/Lean — Scrum, Kanban)
— Понимание процессов контроля качества и функционального тестирования (тест-кейсы, сценарии)
— Опыт использования систем коллективной работы (Jira, Confluence)
— Отличные Soft Skills: системное мышление, сильные коммуникации и умение достигать результата в срок
Будет плюсом:
— Понимание банковских бизнес-процессов
— Знание специализированных инструментов моделирования (Sparx EA, Visual Paradigm, Archi и т.п.)
— Опыт подготовки документации для конечных пользователей
Условия:
— 100% удаленный формат работы со стабильным графиком 5/2
— Конкурентный доход до 250k на руки по результатам технических интервью
— Работа в стабильной и опытной компании с 20-летней историей на рынке финтеха
— Крупные долгосрочные проекты, которые прокачают твою продуктовую и системную экспертизу
Location: Санкт-Петербург
Команда блока «корпоративно – инвестиционный бизнес» ищет в команду кредитного специалиста. Мы работаем в сегменте крупный/средний бизнес.
Обязанности
* готовить заключения по сделке
* анализировать финансово-хозяйственную деятельность заемщика, группы компаний
* структурировать кредитные сделки
* взаимодействовать с кросс-функциональными подразделениями в рамках совместных сделок
* оценивать финансовые показатели при проведении кредитного анализа
* готовить презентации по сделке, и защищать сделки на коллегиальном органе банка
* своевременно диагностировать проблемы заемщика, работать с проблемной и просроченной задолженностью
Требования
* высшее образование в области: финансы, банки, экономика или бухгалтерия
* опыт рассмотрения кредитных сделок (оборотное кредитование, контрактное кредитование, проектное финансирование, инвестиционное кредитование)
* актуальный опыт работы в должности кредитного инспектора крупнейшего, крупного и среднего бизнеса
* знание действующего законодательства РФ в части вопросов, связанных с кредитованием корпоративных клиентов
* знания бухгалтерского учета и анализа финансово-хозяйственной деятельность
* инструментальное владение AI для анализа, генерации и автоматизации
Условия
* трудоустройство согласно ТК РФ
* гарантированный доход плюс премиальное вознаграждение
* гибкий дисконт по ипотечному кредиту, равный 1/3 ключевой ставки ЦБ
* льготные условия кредитования
* ДМС с первого дня и льготное страхование для близких
* подписка Прайм с возможностью совместного использования на трёх близких
* корпоративная пенсионная программа
* обучение за счет компании: онлайн курсы в Виртуальной школе Сбера, возможность получить новую квалификацию
* курсы для будущих родителей, материальная поддержка молодых мам, детский отдых и подарки за счет компании
* реферальная программа для сотрудников: можно пригласить в команду знакомых профессионалов и получить вознаграждение
* адрес офиса: Санкт-Петербург ул. Красного Текстильщика д.2
Location: Algiers, Algeria
Workplace: hybrid
Yassir is the leading super App in the Maghreb region set to changing the way daily services are provided. It currently operates in 45 cities across Algeria, Morocco and Tunisia with recent expansions into France, Canada and Sub-Saharan Africa. It is backed (~$200M in funding) by VCs from Silicon Valley, Europe and other parts of the world.
We offer on-demand services such as ride-hailing and last-mile delivery. Building on this infrastructure, we are now introducing financial services to help our users pay, save and borrow digitally.
Helping usher the continent into a digital economy era. We’re not just about serving people - we’re about creating a marketplace to bring people what they need while infusing social values.
About the Role: We are seeking a visionary Analytics Manager to lead and expand our analytics capabilities. This pivotal role will oversee a dynamic team of business intelligence specialists and data analysts who are responsible for delivering actionable insights across Yassir’s ecosystem. You will be a key player in shaping Yassir’s data-driven strategy, enabling business growth, improving operational efficiency, and enhancing customer satisfaction across our ride-hailing, food delivery, and financial services verticals.
Key Responsibilities:
Strategic Leadership:
Develop and implement Yassir’s analytics strategy, ensuring alignment with business objectives across diverse markets.
Build and scale a robust analytics framework to support strategic decision-making across product, operations, marketing, and finance.
Team Development and Management:
Lead, mentor, and inspire a team of data analysts and BI professionals, fostering a culture of collaboration and innovation.
Ensure professional development and alignment of team goals with Yassir’s mission and business priorities.
Establish best practices for data governance, reporting, and visualization.
Insights and Decision Support:
Collaborate with leadership and functional teams to translate business challenges into analytics-driven solutions.
Oversee the creation of dashboards, KPIs, and ad hoc analyses to support product optimization, operational excellence, and customer retention.
Drive the adoption of self-service analytics tools to democratize data access and empower stakeholders across the organization.
Operational Excellence:
Partner with data engineering to ensure the quality, integrity, and scalability of Yassir’s data infrastructure.
Manage and prioritize analytics initiatives, ensuring timely delivery and measurable impact.
What We're Looking For:
Location: Algiers, Algeria
Workplace: hybrid
About Yassir
Yassir is the Super App designed to make your life easier. Yassir’s Mission is to serve Africans in the continent and its diaspora while creating economic opportunities for service providers and infusing social values. We aspire towards providing our users with the most essential services to their door by leveraging technology and a large ecosystem of partners. We at Yassir stand for: Ambition, Transparency & Trust, Quality, Performance. And we are growing fast - super fast.
By choosing a career at Yassir, you choose to be part of one of the most impactful, fastest-growing Tech companies in Africa.
yassir.com
About the Role
Yassir is seeking a highly skilled and motivated Data Analyst, of junior / mid / senior level, to join our Data Analytics team and contribute with shaping the business’s decision making and product offering on Financial Services in making it more data and insights driven. As a Data Analyst (FinTech), you will play a crucial role in analyzing data, helping us prioritize, assess, develop financial product features for our millions of users across Africa. Your expertise in both data processing, robust statistical analysis, insights derivation, hypothesis formulation and data visualization will be essential in driving our solutions and providing value to Yassir. This is a very exciting opportunity, tackling some of Yassir’s most critical problems.
About the Team
The Data Analytics team is part of Yassir’s central Data & AI domain, which is responsible for all data related activities in the organization - from Data Engineering, Data Platform management and Data Analytics all the way to AI solutions and MLOps infrastructure development. We are a global team of Data and AI / ML experts, encompassing diverse backgrounds and skills. We strive to provide top-quality Analytics and BI insights to the business, being a proactive partner to our stakeholders, and ultimately to build a mature Data Culture supported by widespread data fluency, responsible and democratized data access, data-driven decision making and automation. We push the envelope of what’s feasible, we challenge each other, we support each other, and we take great pride in our work. Most of all we are value-driven to create impact from our data solutions. If you have an inherent curiosity about the fields Data and AI, a relevant background and an internal zeal and drive to contribute, please come join us!
Key Responsibilities
Analyze customer, transaction, merchant, and agent data to identify trends, opportunities, and performance drivers across Wallets, Payments, Bill Payments, Merchant Payments, P2P Transfers, and other Financial Services products.
Partner with Product Managers, Operations, Risk, Finance, and Engineering teams to answer business questions through data and support product decision-making.
Develop and maintain dashboards, reports, and KPI tracking frameworks to monitor customer growth, engagement, retention, transaction performance, and revenue metrics.
Conduct deep-dive analyses on customer behavior, payment funnels, wallet activation, transaction success rates, merchant activity, and agent performance.
Support product discovery and feature development by identifying customer pain points, behavioral patterns, and growth opportunities using data.
Design, execute, and evaluate A/B tests, feature launches, promotional campaigns, and product experiments to measure impact and guide future improvements.
Work closely with Data Science and Risk teams to support customer segmentation, fraud monitoring, credit risk analysis, and predictive modeling initiatives.
Perform exploratory data analysis (EDA) to uncover actionable insights and support the development of data-driven product enhancements.
Monitor data quality, identify anomalies, and collaborate with Data Engineering teams to improve tracking, instrumentation, and reporting accuracy.
Communicate findings and recommendations clearly to both technical and non-technical stakeholders through presentations, reports, and dashboards.
Key Requirements
Essential
2–5 years of experience in Product Analytics, Business Analytics, Data Analytics, or a related analytical role.
Strong SQL skills and practical experience working with large-scale customer and transaction datasets.
Proficiency in Python for data analysis, statistical modeling, and data visualization.
Experience working with digital products, preferably within Fintech, Payments, Wallets, Banking, Lending, or Financial Services.
Solid understanding of statistics, hypothesis testing, experimentation, and data-driven decision-making.
Experience building dashboards and reports using BI tools such as Looker Studio, Looker, Tableau, or Power BI.
Ability to translate business questions into analytical approaches and communicate insights effectively to stakeholders.
Familiarity with cloud-based data platforms, preferably Google Cloud Platform (GCP) and BigQuery.
Strong problem-solving, analytical thinking, and attention to detail.
Excellent written and verbal communication skills in English.
Nice to have
Experience working with Wallets, Bill Payments, Merchant Payments, P2P Transfers, Agent Networks, Lending, or Credit products.
Familiarity with fraud analytics, risk monitoring, customer lifecycle analysis, or fintech growth metrics.
Exposure to machine learning, customer segmentation, or predictive analytics use cases.
Задачи:
— Сотрудничество с бизнес-стейкхолдерами для понимания их потребностей и требований
— Анализ и документирование бизнес-процессов, рабочих процессов и функциональностей систем
— Проектирование и предложение технических решений, соответствующих бизнес-целям и технологической стратегии FxPro
— Разработка детальных системных спецификаций, диаграмм и блок-схем для руководства разработчиками
— Тесное взаимодействие с командами разработки для контроля реализации системных решений
— Обеспечение бесшовной интеграции новых систем с существующей инфраструктурой и платформами
Требования:
— Опыт работы системным аналитиком не менее 5 лет
— Экспертиза в анализе и документировании требований для backend-сервисов
— Опыт создания детальных системных спецификаций, wireframes, диаграмм и блок-схем
— Владение созданием комплексной технической документации
— Знание системной архитектуры
— Опыт работы с RESTful APIs, GraphQL и интеграцией сторонних API
— Знание отраслевых стандартов и требований регуляторов
— Сильные навыки решения проблем и устранения неполадок
— Отличные устные и письменные коммуникативные навыки
— Способность к сотрудничеству и работе в команде
— Аналитическое мышление
— Адаптивность к изменяющимся бизнес-требованиям
— Свободное владение английским и русским языками
Желательно:
— Глубокие знания торговых систем
— Понимание принципов UX/UI дизайна
Условия:
— Отличный компенсационный пакет
— Медицинская страховка
— Пенсионный фонд
— Собственный спортзал с персональным тренером
— Бесплатное ежедневное питание, закуски и напитки
— Корпоративная дисконтная карта на различные товары и услуги
— 21 день ежегодного отпуска и 10 дней больничных в год
— Трансфер из Лимассола
— Подарок на день рождения
— Бонус на релокацию и поддержка в оформлении визы/разрешения на работу
seniorПомогают с релокацией на Кипр; Responsibilities Collaborate with stakeholders from various business domains to elicit, analyse, and formalise requirements for product changes and enhancements Conduct technical analysis and design solution approaches in collaboration with developers and analysts from cross-functional teams Document technical solutions, prepare detailed specifications, and create well-structured development tasks Maintain all analytical and technical documentation in an accurate and up-to-date state throughout the product lifecycle Support and facilitate development and testing processes Prepare user documentation, guidelines, and training materials; conduct knowledge transfer sessions Collect and analyse user feedback to identify improvement opportunities Analyze root causes of business issues and develop effective solution proposals and corrective actions Requirements 5+ years of experience as a System Analyst in product or enterprise environments Strong communication skills with the ability to explain complex technical concepts clearly in English (B2+) Strong systems thinking and ability to identify bottlenecks and optimisation opportunities High level of attention to detail, ensuring accuracy and completeness of requirements and specifications Experience designing scalable technical solutions aligned with business goals Experience designing integration interactions between internal and external systems Ability to produce clear, structured, and maintainable documentation Experience in creating user documentation and supporting knowledge transfer to non-technical business representatives Result-oriented mindset with the ability to prioritise effectively and maintain a high execution speed without compromising quality Our benefits Excellent compensation package Medical insurance Provident fund In-house gym with a personal trainer Free daily lunch catering, snacks, and beverages Company discount card for various products & services 21 days of annual leave and 10 days of sick leave annually Shuttle bus service from Limassol Birthday gift Relocation bonus and visa/work permit support
Location: Cairo, Egypt; Alexandria, Egypt
Workplace: hybrid
Yassir is the leading super App in the Maghreb region set to changing the way daily services are provided. It currently operates in 45 cities across Algeria, Morocco and Tunisia with recent expansions into France, Canada and Sub-Saharan Africa. It is backed (~$200M in funding) by VCs from Silicon Valley, Europe and other parts of the world.
We offer on-demand services such as ride-hailing and last-mile delivery. Building on this infrastructure, we are now introducing financial services to help our users pay, save and borrow digitally.
Helping usher the continent into a digital economy era. We’re not just about serving people - we’re about creating a marketplace to bring people what they need while infusing social values.
About the Role
Yassir is seeking a highly skilled and motivated Data Analyst, of junior / mid / senior level, to join our Data Analytics team and contribute with shaping the business’s decision making and product offering on Financial Services in making it more data and insights driven. As a Data Analyst (FinTech), you will play a crucial role in analyzing data, helping us prioritize, assess, develop financial product features for our millions of users across Africa. Your expertise in both data processing, robust statistical analysis, insights derivation, hypothesis formulation and data visualization will be essential in driving our solutions and providing value to Yassir. This is a very exciting opportunity, tackling some of Yassir’s most critical problems.
About the team
The Data Analytics team is part of Yassir’s central Data & AI domain, which is responsible for all data related activities in the organization - from Data Engineering, Data Platform management and Data Analytics all the way to AI solutions and MLOps infrastructure development. We are a global team of Data and AI / ML experts, encompassing diverse backgrounds and skills. We strive to provide top-quality Analytics and BI insights to the business, being a proactive partner to our stakeholders, and ultimately to build a mature Data Culture supported by widespread data fluency, responsible and democratized data access, data-driven decision making and automation. We push the envelope of what’s feasible, we challenge each other, we support each other, and we take great pride in our work. Most of all we are value-driven to create impact from our data solutions. If you have an inherent curiosity about the fields Data and AI, a relevant background and an internal zeal and drive to contribute, please come join us!
Responsibilities
Analyze customer, transaction, merchant, and agent data to identify trends, opportunities, and performance drivers across Wallets, Payments, Bill Payments, Merchant Payments, P2P Transfers, and other Financial Services products.
Partner with Product Managers, Operations, Risk, Finance, and Engineering teams to answer business questions through data and support product decision-making.
Develop and maintain dashboards, reports, and KPI tracking frameworks to monitor customer growth, engagement, retention, transaction performance, and revenue metrics.
Conduct deep-dive analyses on customer behavior, payment funnels, wallet activation, transaction success rates, merchant activity, and agent performance.
Support product discovery and feature development by identifying customer pain points, behavioral patterns, and growth opportunities using data.
Design, execute, and evaluate A/B tests, feature launches, promotional campaigns, and product experiments to measure impact and guide future improvements.
Work closely with Data Science and Risk teams to support customer segmentation, fraud monitoring, credit risk analysis, and predictive modeling initiatives.
Perform exploratory data analysis (EDA) to uncover actionable insights and support the development of data-driven product enhancements.
Monitor data quality, identify anomalies, and collaborate with Data Engineering teams to improve tracking, instrumentation, and reporting accuracy.
Communicate findings and recommendations clearly to both technical and non-technical stakeholders through presentations, reports, and dashboards.
Requirments
Essential
2–5 years of experience in Product Analytics, Business Analytics, Data Analytics, or a related analytical role.
Strong SQL skills and practical experience working with large-scale customer and transaction datasets.
Proficiency in Python for data analysis, statistical modeling, and data visualization.
Experience working with digital products, preferably within Fintech, Payments, Wallets, Banking, Lending, or Financial Services.
Solid understanding of statistics, hypothesis testing, experimentation, and data-driven decision-making.
Experience building dashboards and reports using BI tools such as Looker Studio, Looker, Tableau, or Power BI.
Ability to translate business questions into analytical approaches and communicate insights effectively to stakeholders.
Familiarity with cloud-based data platforms, preferably Google Cloud Platform (GCP) and BigQuery.
Strong problem-solving, analytical thinking, and attention to detail.
Excellent written and verbal communication skills in English.
Nice to have
Experience working with Wallets, Bill Payments, Merchant Payments, P2P Transfers, Agent Networks, Lending, or Credit products.
Familiarity with fraud analytics, risk monitoring, customer lifecycle analysis, or fintech growth metrics.
Exposure to machine learning, customer segmentation, or predictive analytics use cases.
Join the ride!
At Yassir, we believe in the power of diversity and the importance of an inclusive culture. So, if you're ready to bring your unique perspective and experiences to the table, then we're excited to listen.
Don't just apply for a job, come and be a part of our journey. Let's create a better tomorrow together.
We look forward to receiving your application!
Best of luck,
Your Yassir TA Team
Location: Barcelona, Spain
Workplace: hybrid
About seQura
seQura provides innovative, flexible and easy-to-use payment technologies that help merchants acquire, convert and retain more customers.
We make a difference in sales performance by tailoring our solutions to different sectors, to address their unique pain points and deliver superior results in Retail, Education, Eyewear, Repairs and Travel.
We also empower smart shopping to consumers who seek more value, convenience, and flexibility in their shopping, with new payment experiences that allow them to save, access interest-free credit, or pay in small, comfortable installments of up to 24 months.
Born in Barcelona, seQura is a privately-owned fintech, currently expanding throughout southern Europe and Latin America, growing above 50% CAGR.
Over 6000 businesses, almost 3 million shoppers, and almost 400 employees continue to rate us as one of the most loved and trusted fintechs out there, with an NPS of 87%, a Trustpilot rating of 4.7/5, and a Glassdoor rating of 4.1/5.
About the role
🤓
We are looking for a
Senior Analytics Engineer
to own the analytics enablement layer across seQura's core business domains — building the trusted, well-governed data foundation that business, product, and data science teams rely on to make decisions and ship models.
This role sits at the intersection of data modeling, business domain understanding, governance, and semantic precision. You will design and deliver production-grade dbt models, shape the semantic layer to be AI-ready, and set the quality bar for the analytics enablement team. You will work closely with business circle leads, Data Scientists, across Risk, Finance, Payments, and Collections, and the Platform and Data Engineering team.
What challenges you'll be solving 🚀
Championing a single source of truth for core business metrics — unifying definitions, socializing, and governing the canonical KPIs used across seQura, so that whether a metric appears in a dashboard, a DS model, or an executive report, it means the same thing.
Building domain data products that serve both operational reporting and ML feature needs, ensuring downstream teams can self-serve reliably.
Designing, building, and shipping production-grade dbt models across multiple business domains — Payments, Debt Collection, Risk, and Finance — writing clean, well-tested, and well-documented SQL.
Owning the governance layer: data contracts, column-level lineage, tests, and semantic definitions — not just shipping models, but making them trustworthy.
Structuring the semantic layer to be machine-readable and AI-ready, supporting both self-serve BI and AI-powered use cases.
Setting and upholding standards for testing, documentation, and data quality across the analytics engineering team.
Collaborating closely with Data Scientists, circle leads, and the Platform team to understand domain logic deeply and translate it into precise, unambiguous data models.
Making cross-domain architectural decisions with a systems mindset — thinking beyond individual models to how the full data layer fits together.
About the Data team
🧩
Team mission
To turn seQura's raw data into trusted, well-governed data products that power decision-making across the company.
The team builds the foundations that enable Product, Finance, Risk, Payments, Data Science, and AI teams to work with reliable, consistent, and discoverable data, ensuring everyone speaks the same language when making decisions.
What we own
The dbt transformation layer across business domains
The Single Source of Truth (SSOT) for key business metrics
Semantic models that enable consistent reporting and analytics
Data contracts and governance standards across domains
Data lineage, documentation, and discoverability
Data quality, testing, and monitoring to ensure trusted data products
Team Structure
The Analytics Engineering team consists of four Analytics Engineers working alongside a Data Governance Lead and reporting to the Head of Data.
The team partners closely with business stakeholders across Risk, Finance, Payments, and Collections, while collaborating with Data Platform, Data Engineering, and Data Science teams to ensure data products are reliable, scalable, and easy to consume.
How we work
Product mindset: we treat datasets as products, with clear ownership, quality standards, and consumers.
Strong focus on data governance, documentation, and discoverability.
Collaboration with business stakeholders to translate operational concepts into trusted data models.
Analytics Engineering sits at the intersection of business knowledge, software engineering, and data architecture.
Continuous improvement through testing, observability, and reusable modeling patterns.
What to expect in the next 90 days
🏁
Month 1:
You'll immerse yourself in seQura's data ecosystem, becoming familiar with our dbt project, semantic models, and governance principles. You'll work closely with business stakeholders and fellow Analytics Engineers to understand your domain, existing data models, and opportunities to improve consistency and data quality.
Month 2:
You'll deliver your first production-ready dbt models for your assigned business domain, applying testing, documentation, and governance best practices. You'll begin contributing to the team's standards around data quality, maintainability, and semantic consistency.
Month 3:
You'll take ownership of a meaningful portion of the Single Source of Truth within your domain, enabling downstream teams to confidently self-serve reliable data. You'll also contribute to cross-domain initiatives, helping define shared semantic models, governance standards, and reusable data patterns across the organization.
Tech stack & environment
🛠️
Our modern data platform is built on AWS, with dbt at the heart of our transformation layer and Redshift as our analytical data warehouse.
Analytics Engineers work extensively with SQL and dbt to build trusted, reusable data models, while leveraging Git-based development workflows, automated testing, documentation, and data quality monitoring to ensure reliable data products.
The team collaborates closely with Data Platform and Data Engineering, building on top of cloud-native infrastructure and contributing to a governed data ecosystem designed to support analytics, business intelligence, and AI use cases across seQura.
What you’ll need 🤝
5+ years of experience as an Analytics Engineer, with a strong track record of building and delivering production-grade data models (mandatory).
Genuine curiosity about the business domains you model — you want to understand what decisions are made using the data not just how the data looks
Strong hands-on dbt experience: modeling, testing, data contracts, documentation — not just running dbt, but understanding how to design a reliable model layer (mandatory).
Expert SQL on a modern cloud data warehouse (Redshift, BigQuery, Snowflake, or similar).
Systems thinking: ability to make cross-domain architectural decisions, not just implement individual models. You see how the pieces fit together.
Semantic precision: you write metric definitions and data documentation that are unambiguous to both humans and AI agents.
Experience with Python for data tasks is a plus.
Familiarity with data governance and lineage tooling (OpenMetadata or similar) is a plus.
Fintech or financial services domain knowledge is a plus.
English proficiency required. Spanish is a plus.
What we offer 😎
We have a strong and sustainable foundation, where we provide a secure and reliable workplace. You have the freedom and trust to make the best contribution possible.
One of our most valued strengths by our employees is our fellowship and supportive culture, which fosters a sense of belonging by working closely with our values. With us, you will have challenging projects to work on and push your skills and knowledge.
In addition, we are very proud of the unique office we have, which offers a comfortable and inspiring environment to work in with everything you need.
23 vacation days + 2 days of free disposal per year.
Flexible compensation plan for transportation, restaurants, and kindergarten with Cobee.
Health insurance discounts with Sanitas and DKV.
Flexible working hours.
A personal budget for professional development.
Office workshops and meet-ups to encourage community participation and career growth.
Hybrid or remote work (up to 2 hours difference from GMT+2).
Moreover, we have a
Wellness Program
that embraces a holistic approach by covering 6 areas (occupational, physical, financial, emotional, social, and environmental consciousness). Each area will include a variety of activities, and you'll be able to choose from 34 different activities that best meet your needs to configure a plan that best works for you.
Which are the next steps?
🙌
Interview with People Team
Hiring Manager interview
Technical take-home assessment
(async)
Live Peer review of the assessment
Meet the team
We kindly ask that you submit your
CV in English,
as it is the official language of our community.
We promote equal opportunity to all, regardless of age, color, gender identity, medical condition, physical or mental disability, race, religion, sexual orientation, or any other characteristic. We have an inclusive environment, and respect is above all.
Do you want to be part of the change? Join us!👇
New York, New York
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Настройте подбор один раз, и подходящие вакансии будут сами приходить в Telegram.
Настройте подбор, и подходящие вакансии будут приходить в Telegram.