Senior Associate (Payment Technician)

Key Responsibilities

• Provide daily operational and technical support for the Bank’s payment and card processing
  systems under the guidance of senior team members.
• Monitor payment transactions, system interfaces, connectivity, and system alerts to identify
  abnormal or failed transactions.
• Perform basic investigation of declined, failed, reversed, timed-out, duplicate, and posting
  related transactions.
• Assist with end-to-end transaction tracing using transaction references such as RRN, STAN,
  authorization code, terminal ID, and merchant ID.
• Support payment transactions across POS, ATM, E-Commerce, Payment Gateway, QR/MMQR,
  and other payment channels.
• Support Visa, Mastercard, JCB, UPI, MPU, and other payment-related activities as assigned.
• Assist with card issuing and acquiring transaction support and escalate complex issues to senior
  team members.
• Support basic clearing, settlement, and reconciliation activities and assist in investigating
  transaction discrepancies.
• Monitor payment system alerts and promptly escalate incidents according to defined SLA and
  escalation procedures.
• Assist in collecting transaction details, system logs, and other information required for incident
  investigation and Root Cause Analysis (RCA).
• Coordinate with Payment Operations, IT, NOC, Infrastructure, vendors, and other relevant
  teams for issue resolution.
• Assist with SIT, UAT, regression testing, certification testing, and production validation for
  payment system changes and enhancements.
• Support POS and ATM testing, deployment, configuration, and basic troubleshooting activities.
• Assist with implementation of payment scheme mandates, system changes, and operational
  enhancements.
• Maintain accurate incident records, transaction investigation reports, operational checklists, and
  other support documentation.
• Follow established SOPs, security controls, operational procedures, and escalation processes.
• Participate in DR/BCP exercises and post-implementation validation activities when required.
• Continuously develop knowledge of payment systems, transaction processing, card technology,
  and payment operations.

Qualifications

• Bachelor’s degree in Computer Science, Information Technology, Engineering, Business
  Administration, Finance, Banking, or a related discipline.
• Fresh graduates or candidates with 0–2 years of relevant experience in IT Support, Application
  Support, Banking Technology, Payment Technology, or a related field are encouraged to apply.
• Basic understanding of card payment and transaction processing is an advantage.
• Basic knowledge of POS, ATM, E-Commerce, QR/MMQR, payment gateway, card
  issuing/acquiring, clearing, settlement, and reconciliation is an advantage.
• Basic knowledge of SQL/database concepts is preferred.
• Basic understanding of API, system interfaces, payment messages, and application/system logs
  is an advantage.
• Good analytical, troubleshooting, and problem-solving skills.
• Good communication and teamwork skills, with the ability to work with technical and non
  technical teams.
• Strong attention to detail when handling transaction data and operational activities.
• Willingness to learn payment systems, card technologies, and international payment schemes
  such as Visa, Mastercard, JCB, UPI, and MPU.
• Ability to follow procedures, manage assigned tasks within required timelines, and escalate
  issues appropriately.
• Relevant certifications or training in payment systems, banking technology, SQL, IT service
  management, or related areas are an advantage.

Soft Skills

• Attention to Detail – Careful and accurate when reviewing transaction details, reports, system
  alerts, and operational records.
• Analytical Thinking – Able to understand basic payment flows and identify unusual or abnormal
  transaction behavior.
• Problem-Solving Skills – Able to investigate basic payment issues and identify possible causes
  with guidance from senior team members.
• Communication Skills – Able to communicate payment-related issues clearly and professionally
  with internal teams and stakeholders.
• Teamwork & Collaboration – Willing to work closely with Payment Operations, IT, NOC, vendors,
  and other supporting teams.
• Learning Agility – Willingness to learn payment systems, card technology, transaction processing,
  and troubleshooting procedures.
• Responsibility & Accountability – Follows procedures carefully and takes responsibility for
  assigned tasks and support activities.