Business Analyst

Business Analyst Payments (Fintech)

Experience Required: 10+ Years

Domain Expertise: Payments (Domestic & International)

Location: Bangalore/Chennai

Employment Type: Full-time

About the Role

We are seeking a highly experienced Business Analyst with a strong background in Payments within the Fintech domain. The ideal candidate will have 10+ years of experience in business analysis, product enhancement, requirements gathering, and end-to-end delivery of payment solutions. This role requires deep domain knowledge of payment systems, regulatory frameworks, digital payments, and transaction processing.

Key Responsibilities

Business Analysis & Requirements Management

• Lead the end-to-end requirements gathering process, including functional, non-functional, and system-level requirements.
• Facilitate workshops with cross-functional stakeholders to understand business needs and translate them into detailed BRDs, FRDs, and user stories.
• Conduct gap analysis, impact analysis, and feasibility studies for new payment features or enhancements.
• Collaborate with Product, Technology, Compliance, and Operations teams to define scope and priorities.

Payments Domain Expertise

• Analyze and design workflows for Card Payments, UPI, Wallets, IMPS/NEFT/RTGS, Cross-border Payments, Tokenization, Mandates, and other payment instruments.
• Understand and interpret regulatory guidelines (RBI, NPCI, PCI-DSS, ISO 8583 standards, etc.) and ensure system compliance.
• Work on authorization, clearing, settlement processes, transaction routing logic, chargeback handling, and dispute resolution.

Project Execution & Delivery

• Act as a bridge between business and technology teams, ensuring timely and quality delivery of payment features.
• Support development and QA teams with clarifications, functional validation, and UAT planning/execution.
• Monitor project progress, risks, dependencies, and prepare required documentation.
• Lead end-to-end product rollout, migration, and post-production support.

Data & Process Analysis

• Perform data-driven analysis to identify Payment trends, failure patterns, drops, and improvement opportunities.
• Optimize processes to enhance authorization success rates, reduce operational overhead, and improve user experience.

Required Skills & Qualifications

Technical & Domain Skills

• 10+ years in Business Analysis, with minimum 5+ years specifically in Payment Systems.
• Strong understanding of:
• UPI, IMPS, NEFT, RTGS, Card Payments (Issuer/Acquirer), Wallets
• ISO 8583 messaging, Payment Switches, Transaction Routing
• KYC/AML, Risk & Fraud controls, Compliance frameworks
• Experience working with BFSI/Fintech products, payment gateways, or large-scale transaction systems.
• Knowledge of API structures (REST, SOAP), SQL, and data analysis tools (desirable).

Soft Skills

• Excellent communication, stakeholder management, and problem-solving abilities.
• Strong documentation skills with attention to detail.
• Ability to handle multiple projects in a fast-paced fintech environment.
• Proven ability to drive decisions, manage conflicts, and deliver results.

Educational Qualifications

• Bachelors or Masters degree in Engineering, Computer Science, Finance, Business, or related field.
• Certifications like CBAP, CCBA, PMP, Agile/Scrum are an added advantage.

Why Join Us?

• Opportunity to contribute to cutting-edge digital payment innovations.
• Work closely with industry leaders in the fintech space.
• Dynamic, high-growth environment with strong career advancement potential.