Senior Technical Business Analyst

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

Role -  Subject Matter Expert II
Experience -  12 to 16 years
NP -  Immediate to 30 days
Location -  Pune
Work Mode -  5 days WFO
Budget -  20 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 life cycles, 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