Senior Officer (Business Analyst – Payment Card Technology)

Key Responsibilities

• Gather, analyze, document, and validate business requirements from Business, Operations,
  Technology, Risk, Compliance, Finance, and other stakeholders.
• Translate business requirements into BRD, FRD, User Stories, Use Cases, Process Flows, Data
  Mapping, and Functional Specifications.
• Analyze business processes, identify system/process gaps, and recommend practical
  improvements.
• Analyze requirements and transaction flows related to Card Issuing & Acquiring, POS, ATM, E
  Commerce, Payment Gateway, QR/MMQR, Digital Payment, Clearing & Settlement,
  Reconciliation, and Dispute/Chargeback.
• Understand and analyze end-to-end payment transaction flows between POS/ATM, Payment
  Host, Card Schemes, Issuer/Acquirer, and Core Banking Systems.
• Support analysis and implementation of Visa, Mastercard, JCB, UPI, MPU and other payment
  scheme requirements and mandates.
• Review system interfaces, APIs, payment messages, transaction fields, response codes, and
  relevant payment/EMV data.
• Coordinate with Business, Operations, Technology, Developers, Infrastructure, Security,
  Vendors, Payment Processors, and Payment Schemes throughout project implementation.
• Prepare functional test scenarios and test cases and support SIT, UAT, regression, certification
  testing, and production validation.
• Coordinate UAT activities, track defects and issues, and support timely resolution before
  production implementation.
• Analyze transaction data, clearing/settlement files, reconciliation reports, and operational data;
  use SQL where required.
• Provide business analysis support for production issues, transaction failures, reconciliation
  differences, settlement issues, and system processing problems.
• Track project requirements, risks, issues, dependencies, milestones, and action items, and
  escalate significant concerns appropriately.
• Support payment scheme certification, terminal/host certification, regulatory requirements, and
  related compliance activities.
• Identify opportunities for process improvement, automation, digital transformation, and
  payment system modernization.
• Prepare and maintain project and operational documentation, including SOPs, user manuals,
  requirement traceability, project reports, certification documents, and post-implementation
  reviews.

Qualifications

• Bachelor’s degree in Computer Science, Information Technology, Business Administration,
  Finance, Banking, or a related field.
• 3–5+ years of relevant experience in Business Analysis, System Analysis, Banking IT, Payment
  Systems, or a related field.
• Experience in banking, card, and payment projects is preferred.
• Experience in requirement gathering, functional documentation, testing, UAT, implementation,
  and production support.
• Experience working with cross-functional teams and external vendors.
• Good knowledge of Card Issuing & Acquiring, POS/ATM, E-Commerce, Payment Gateway,
  QR/MMQR, Clearing & Settlement, Reconciliation, and Dispute/Chargeback.
• Knowledge of Visa, Mastercard, JCB, UPI, MPU, EMV, payment switches/hosts, Core Banking
  Systems, API/system integration, and payment transaction processing is preferred.
• Working knowledge of SQL/Oracle and data/transaction analysis.
• Proficiency in MS Excel, PowerPoint, Visio, or equivalent process-design and documentation
  tools.
• Strong business analysis, analytical thinking, problem-solving, process mapping, documentation,
  communication, presentation, and stakeholder coordination skills.
• Relevant certification in Business Analysis, Project Management, Banking, or Payment Systems is
  an advantage.
• Ability to manage multiple assignments, work under deadlines, and coordinate effectively with
  various stakeholders.

Soft Skills

• Communication Skills – Able to communicate clearly and professionally with team members and
  relevant stakeholders.
• Attention to Detail – Careful when handling transaction data, system information, reports, and
  operational activities.
• Responsibility & Accountability – Follows assigned tasks and procedures and takes responsibility
  for completing work accurately and on time.
• Time Management – Able to prioritize assigned tasks and respond to support requests within
  required timelines.
• Adaptability – Able to adapt to new systems, technologies, processes, and changing business
  requirements.
• Service Mindset – Understands the importance of reliable and timely payment services and
  supports the team in minimizing service disruption.
• Documentation & Reporting – Able to maintain accurate records, prepare basic reports, and
  document incidents and troubleshooting activities.
• Team Player – Demonstrates a positive attitude and willingness to support colleagues and learn
  from experienced team members.