Exp 12+ Yrs
Location Pune
Notice Open (but immediate preferable)
Please find below job description.
Please look at the following and gather profiles please look at people working as Solution Architects in Banks or Paytechs (Mastercard / Visa).
1. One or more of the following Credit Card Issuing Platform Expertise
- TSYS Prime / FirstVision
- Prime / Triumph
- FIS Base2000 / IST
- VisionPLUS
- Marqeta / Episode Six / Zeta Tachyon
2. Card Lifecycle Understanding (please look at top 8 pointers and Commercial Cards)
- Card issuance, activation, renewal, replacement, Credit Limit management, Global/shadow/available balance,Cash limits, temporary limits
- Product catalog, BIN/IIN, portfolio hierarchy
- Clearing & Settlement - Visa Base II, Mastercard IPM/MCBS, Late presentments, interchange, FX, MCC, Transaction Category
- ISO 8583 Authorization Expertise - Message parsing, DE mappings, Realtime decisioning, partial approvals, standin processing, Reversals
- Posting & GL Architecture - Provisional vs final posting, Transaction processing, GL integration
- Interest, Fees - Daily balance computation, Statement cycles
- Disputes & Chargebacks - Representment, prearb, arbitration, Scheme reason codes
- Fraud & Risk Decisioning Fraud rings, AI enablement, Fraud product integrations - FICO Falcon / Feedzai / Actimize
- Tokenization & Wallet Provisioning Tokenization, MDES / VTS, Apple Pay / Google Pay provisioning
- Loyalty & Rewards Architecture - Redemption: statement credit / catalog / PWP, Partner settlements
- Regulatory & Compliance - PCI DSS, Data privacy (GDPR/DPDP), Scheme mandate implementation
- Reconciliation & Exception Handling Auth & Clearing, Posting & GL, Settlement & Cash
- Commercial Cards Understanding
- Corporate hierarchy and multilevel entitlement management
- Commercial billing models (central, individual, hybrid)
- Enhanced data handling (Level II and Level III transaction data)
- Expense management and ERP ecosystem integration
- Virtual cards and singleuse account (VCN/SUA) lifecycle management
