Payments Business Analyst
2 days ago
Job Title: Payment Business Analyst / Product Owner
Experience Level: 815+ years
Industry: IT Services & Consulting, Banking & Financial Services
Functional Area: Payments Domain
Education Requirements:
- Undergraduate: BE / BTech
- Postgraduate: MBA (Finance) / M.Com
Key Responsibilities
Requirements Management
- Gather and analyze business requirements; create BRDs, FSDs, user stories, and user journeys.
- Align specifications with ISO 20022, SWIFT, RTP, ACH standards.
Solution Design & Validation
- Lead solution design and define end-to-end process flows.
- Validate payment flows and integration points.
- Contribute to architecture from a business process perspective.
Project Execution & Delivery
- Collaborate with QA and Product teams for testing and go-live readiness.
- Support Product Managers and Feature Teams throughout the delivery lifecycle.
- Define business acceptance criteria and manage backlog/user stories.
- Track milestones and participate in agile ceremonies.
Domain Expertise & Consultation
- Provide expertise in clearing systems and regulatory workflows.
- Liaise with vendors and IT teams to validate solutions.
- Act as the primary contact for payment transformation requirements.
Change Management & Support
- Lead training and change management for middle/back-office teams.
- Ensure business readiness for production rollout.
- Provide production support and incident resolution.
Key Skills & Experience
Industry Experience
- 8–10+ years in Banking & Financial Services.
- Hands-on experience with Payments and Cash Management products.
Payment Domain Knowledge
- Expertise in UPI, QR, Cards, Wallets, APIs, and traditional banking systems.
- Experience with domestic and cross-border payment rails.
Technical & Functional Skills
- Strong BRD/FSD documentation skills.
- Proficient in ISO 20022, SEPA (SCT, SDD), SWIFT (Cross Border).
- Deep understanding of end-to-end payments processing.
Project & Process Acumen
- Experience with RFP/RFI processes.
- Agile methodology expertise; user story creation and agile ceremonies.
Soft Skills
- Strong analytical, problem-solving, and decision-making skills.
- Excellent communication and stakeholder management.
- Collaborative team player across business, IT, QA, and product teams.
Technical Competency
- Payment Standards: ISO 20022, SWIFT, RTGS, CBPR, RTP, ACH
- Technologies: UPI, QR, Mobile Wallets, APIs
- Payment Engines: FIS Clear2Pay, BANCS, TEMENOS T24, FlexCube, Intellect Design FCH, Global PayPlus
- Tools: Jira, Confluence, BRD/FSD documentation
- System Knowledge: Integration points, data flows, technical validation
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