Senior Technical Business Analyst

This opportunity is with a product-based company into Fintech environment specializing in Cards & Payment Technology.

Role - Subject Matter Expert II

Experience - 12 to 16 years

NP - Immediate to 30 days

Location - Pune

Work Mode - 5 days WFO

Budget - 20 LPA to 40 LPA

Domain - Cards Mandatory

Primary Skills - At least one of Card Issuing, Card Acquiring or Card Switch experience is mandatory, ISO 8583, technical expertise in Java or PL/SQL is mandatory, Business Analysis, Stakeholder Management & Team Leading.

JOB OBJECTIVES

1. Business & Functional Expertise

• Analyze and formalize client business requirements related to electronic payments (issuing/ acquiring/ switching, clearing, settlement).
• Translate business needs into detailed functional specifications aligned with Products architecture and capabilities.
• Interpret complex client inputs (process flows, regulatory constraints, schemes rules) and convert them into structured, implementable functional models .
• Act as a reference point for payment business logic, transaction lifecycles, and exception handling.

2. Functional-Technical Alignment & Implementation Support

• Ensure functional specifications are technically consistent with system architecture, data models, and integration patterns.
• Validate alignment between functional design and technical design (interfaces, APIs, batch flows, parameterization, rules engines).
• Support development teams during:
• Coding of payment workflows and business rules
• Configuration of Product modules
• Definition of data mappings and processing logic
• Contribute to impact analysis for enhancements, regulatory changes, and new scheme requirements.

3. Testing, Validation & Delivery Support

• Participate in functional testing phases (SIT, UAT, non-regression), ensuring:
• Compliance with client requirements
• Consistency with payment standards and scheme rules
• Review test scenarios, test cases, and test results to validate end-to-end payment flows.
• Support issue analysis and resolution during testing and go-live phases.

4. Advisory & Knowledge Dissemination

• Monitor and analyze payment industry standards and regulations (e.g., ISO 8583, ISO 20022, scheme rules, compliance frameworks).
• Capitalize and maintain functional and technical documentation related to payment processes.
• Provide functional and technical training to internal teams and stakeholders.
• Act as a consultant on best practices in electronic payment processing and solution design.

PROFILE REQUIREMENTS

• Education: Master's degree (Engineering, Computer Science, Information Systems, or equivalent)
• Experience: Minimum 12-15 years in electronic payment systems, preferably within card management, switching, or acquiring platforms
• Strong ability to operate at the intersection of business, functional design, and technical implementation