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

Role - Senior Business Anlayst / Subject Matter Expert II

Experience - 6 to 16 years

NP - Immediate to 30 days

Location - Pune

Work Mode - 5 days WFO

Budget - 15 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

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