Business Analyst – Credit Card, Digital Payment Processing

• Elicit, document, and manage business and functional requirements for credit card payment processing systems, including authorization, clearing, settlement, chargebacks, and dispute resolution workflows.
• Translate complex business requirements into detailed functional specifications, user stories, process flows, and data mapping documents for development and QA teams.
• Analyze end-to-end payment lifecycle processes including card authorization, capture, refund, tokenization, 3DS (3D Secure), and fraud management.
• Collaborate with internal teams (engineering, product, compliance, risk, and operations) and external vendors/partners to define and deliver payment solutions.
• Support and participate in UAT (User Acceptance Testing), system integration testing (SIT), and regression testing cycles, including reviewing test cases and defect management.
• Ensure all payment solutions adhere to PCI-DSS compliance standards, regulatory requirements, and industry best practice.
• Facilitate workshops, stakeholder meetings, and sprint ceremonies (in Agile environments) to drive alignment and timely delivery.
• Analyze payment data and transaction reports to identify trends, anomalies, and areas for process improvement.
• Support go-live activities, post-implementation monitoring, and production incident resolution related to payment systems.
• Assist in documenting API specifications and integration guides for payment gateway and processor connectivity.

Requirements

• 4–7 years of experience as a Business Analyst or Technical Business Analyst, with a strong focus on credit card or digital payments processing.
• Deep knowledge of the payment’s ecosystem: card networks, issuers, acquirers, payment gateways, and processors.
• Proficiency with payment authorization/settlement flows.
• Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
• Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas.
• Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps.
• Experience working in Agile/Scrum methodology using tools such as Azure Dev Ops.
• Excellent communication and stakeholder management skills.

Core Competencies

Demonstrates expertise in managing business and functional requirements for credit card payment processing systems, ensuring compliance with PCI-DSS standards and facilitating collaboration across teams. Proficient in analyzing payment lifecycle processes and translating complex requirements into actionable specifications.

Highest-signal resume keywords

• Business Analysis
• Payment Processing
• PCI-DSS Compliance
• Agile/Scrum Methodology
• REST API Documentation

ATS Optimization Keywords

Hard Skills

• Business Requirements Document (BRD)
• Functional Requirements Document (FRD)
• User Stories
• Data Flow Diagrams
• Process Maps
• Payment Authorization Flows
• Tokenization
• Fraud Management
• Chargebacks
• Dispute Resolution

Soft Skills

• Excellent Communication
• Stakeholder Management

Industry Keywords

• Payment Ecosystem
• Card Networks
• Issuers
• Acquirers
• Payment Gateways
• Processors
• User Acceptance Testing (UAT)
• System Integration Testing (SIT)
• Agile Environments
• Production Incident Resolution

Tools & Technologies

• Azure Dev Ops