Payment Domain Expert

5 days ago

Chennai, Tamil Nadu, India Accolite Full time ₹ 60,00,000 - ₹ 90,00,000 per year

Description
Summary :

We are seeking a highly skilled Payments Domain Expert with deep functional knowledge and strong technical acumen to lead and support digital payment initiatives.

The ideal candidate will have hands-on experience with JCard, JPass, and other smart card-based fare and transaction systems, along with a solid understanding of payment processing, compliance, and integration technologies.

Key Responsibilities

  • Knowledge of card issuing, authorization, risks, fraud, settlement flows.
  • Lead the design and implementation of payment processing systems across card, wallet, and account-based platforms.
  • Provide domain expertise on JCard, JPass, BMM and other smart card-based fare collection systems.
  • Define and document payment lifecycle processes: authorization, clearing, settlement, chargebacks, and reconciliation.
  • Collaborate with product, engineering, and compliance teams to ensure PCI DSS, AML, KYC, and GDPR compliance.
  • Design and review API specifications for payment orchestration and real-time transaction processing.
  • Analyze and optimize interchange fees, merchant onboarding, and dispute resolution workflows.
  • Ensure seamless integration with POS systems, digital wallets, and BNPL platforms.
  • Translate complex payment concepts such as 3DS, tokenization, chargebacks, disputes, BIN management, SCA, PCI into actionable guidance.

Technical Skills

  • Experience with payment APIs, webhooks, and event-driven systems.
  • Familiarity with risk and compliance frameworks (PCI DSS, SCA, AML/KYC,3DS2).
  • Ability to analyze large datasets to identify patterns in declines, fraud, or payment performance.
  • Comfortable working with SQL, dashboards (Looker, Snowflake), and monitoring tools (Datadog, Grafana).

Functional Expertise

  • Deep understanding of payment ecosystems, including acquiring/issuing banks, card schemes, and merchant networks.
  • Hands-on experience with JCard/JPass fare systems, including tap-in/tap-out, fare capping, and account-based ticketing.
  • Familiarity with digital wallet ecosystems, tokenization, and fraud detection mechanisms.
  • Strong grasp of regulatory frameworks and risk mitigation in payments.

Preferred Qualifications

  • 10+ years in the payments domain with both technical and functional exposure.
  • Experience in transit payments, smart mobility, or fare collection systems.
  • Certifications in PCI DSS, AWS, or payment systems (e.g , NACHA, SWIFT).
  • Excellent communication, documentation, and stakeholder management skills.

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