Hiring || Functional Tester – Credit Cards

Job Description Job Description: Functional Tester – Credit Cards &  Payments Domain   Key Responsibilities   1. Functional Testing   ∙ Perform functional, integration, system, and end-to-end testing for credit card  platforms and payment applications.   ∙ Validate card lifecycle processes such as  application, issuance, authorization,  clearing, settlement, collections, rewards, chargeback/disputes , etc.   ∙ Execute test scenarios for payment instruments including  credit cards, debit cards,  prepaid cards, virtual cards, and tokenized payments .   ∙ Test transaction flows across channels like  POS, e-commerce, mobile wallets, UPI,  payment gateways, and card networks .   2. Test Design & Documentation   ∙ Analyze BRDs, FSDs, and user stories to create detailed  test plans, test cases, and  RTM .   ∙ Document test results, defects, and status reports using standard QA tools (JIRA,  ALM, Azure DevOps, etc.).   ∙ Ensure test coverage and quality standards are met before release.   3. Domain Expertise   ∙ Understand card scheme rules (Visa, Mastercard, Amex, RuPay) and  ISO8583/ISO20022 message formats.   ∙ Validate  authorization, fraud checks, risk rules , and transaction reconciliation.   ∙ Test settlement, interchange fees, billing cycles, interest calculations, refunds,  reversals, and adjustments.   ∙ Familiarity with regulatory frameworks (RBI/NPCI guidelines, PCI-DSS  compliance).   Required Skills & Experience   ∙ 3–5 years of experience in  functional testing , preferably in the  banking, fintech, or  payments domain .   ∙ Strong understanding of  credit card lifecycle , card operations, and payment  processing.   ∙ Experience testing payment gateways, POS transactions, and real-time payment  systems.   ∙ Knowledge of ISO message formats, chargeback flows, and reconciliation processes.   ∙ Ability to write SQL queries for test data validation.   ∙ Hands-on experience with defect management and test management tools.   ∙ Strong analytical and communication skills. Requirements Job Description: Functional Tester – Credit Cards & Payments Domain Key Responsibilities 1. Functional Testing ∙Perform functional, integration, system, and end-to-end testing for credit card platforms and payment applications. ∙Validate card lifecycle processes such as application, issuance, authorization, clearing, settlement, collections, rewards, chargeback/disputes, etc. ∙Execute test scenarios for payment instruments including credit cards, debit cards, prepaid cards, virtual cards, and tokenized payments. ∙Test transaction flows across channels like POS, e-commerce, mobile wallets, UPI, payment gateways, and card networks. 2. Test Design & Documentation ∙Analyze BRDs, FSDs, and user stories to create detailed test plans, test cases, and RTM. ∙Document test results, defects, and status reports using standard QA tools (JIRA, ALM, Azure DevOps, etc.). ∙Ensure test coverage and quality standards are met before release. 3. Domain Expertise ∙Understand card scheme rules (Visa, Mastercard, Amex, RuPay) and ISO8583/ISO20022 message formats. ∙Validate authorization, fraud checks, risk rules, and transaction reconciliation. ∙Test settlement, interchange fees, billing cycles, interest calculations, refunds, reversals, and adjustments. ∙Familiarity with regulatory frameworks (RBI/NPCI guidelines, PCI-DSS compliance). Required Skills & Experience ∙3–5 years of experience in functional testing, preferably in the banking, fintech, or payments domain. ∙Strong understanding of credit card lifecycle, card operations, and payment processing. ∙Experience testing payment gateways, POS transactions, and real-time payment systems. ∙Knowledge of ISO message formats, chargeback flows, and reconciliation processes. ∙Ability to write SQL queries for test data validation. ∙Hands-on experience with defect management and test management tools. ∙Strong analytical and communication skills.