Functional Consultant

2 days ago

Bengaluru, Karnataka, India Profinch Solutions Full time

Greetings from PROFINCH..

We are hiring for a Functional Consultant - Card Management Systems.

Job Description

We are seeking an experienced and highly motivated Functional Consultant to be the subject matter expert for the Card Management System. This role requires a blend of deep understanding of cloud-native banking and payments architecture (APIs, microservices, Card Issuing lifecycle) and strong functional knowledge of card products, payment networks, and regulatory requirements. The ideal candidate will bridge the gap between business requirements and implementation, driving successful product launches and platform enhancements.

Key Responsibilities

  • Functional & Business Analysis
  • Serve as the Subject Matter Expert (SME) for the Card Issuing and Core Banking platform capabilities, including credit, debit, and prepaid card lifecycle management.
  • Work closely with business stakeholders (Product Owners, Operations, Finance) to analyze, document, and translate complex business requirements into detailed functional specifications.
  • Define and design end-to-end card-related business processes, covering issuance, authorization, clearing, settlement, disputes, and fraud management.

Leadership & Delivery

  • Lead the delivery of new card products or major platform enhancements, managing scope, timeline, and quality in an Agile/Scrum environment.
  • Conduct workshops, training, and knowledge transfer sessions for business teams on functionalities and payment concepts.
  • Manage communication and alignment between internal teams, external partners, and vendors (e.g., card bureaus, network processors).

Required Qualifications

  • Experience: 6 - 8 years of total experience, with at least 3-4 years in a dedicated Functional, Business Analyst, or Product Consultant role within the Cards & Payments domain.
  • Platform Expertise: Proven, in-depth, hands-on experience with the Card Management System and its core for card issuing and processing.
  • Card Lifecycle Knowledge: Strong functional knowledge of the complete card transaction lifecycle (Authorization, Clearing & Settlement, Chargebacks/Disputes, Billing/Statement generation).
  • Communication: Excellent written and verbal communication skills with the ability to articulate complex technical and functional issues to both technical and non-technical audiences.

Preferred Qualifications (Added Advantage)

  • Experience on delivery and end to end implementation for Pismo (Visas Card Management System)
  • Direct work experience or strong functional knowledge of Visa products, network mandates, and operational procedures.
  • Worked on compliance with PCI-DSS, EMVCo, Visa/MasterCard
  • Familiarity with cloud platforms (AWS, Azure, or Google Cloud).
  • Experience with other card systems, payment gateways, or core banking systems.
  • Certification or proven experience in Agile methodologies (Scrum, SAFe).

Experience Years

Location - Bengaluru (WHO)

Interested candidates can share your updated profile to the below mentioned e-

Good Luck..

Regards,

Profinch

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