Payments Business Analyst

Technical Payments Business Analyst

Experience: 9 to 15Years

Location: Pune, Hyderabad, Bangalore

Notice Period: Immediate -30days

Job Summary:

Strong experience in cross-border payments, SEPA payments, SWIFT messaging, ISO 20022 standards, and modern payment technology platforms. The ideal candidate will act as a bridge between business stakeholders and technical teams, translating business needs into functional and technical solutions, while supporting end-to-end payment implementation, configuration, testing, and delivery

Key Responsibilities

• Gather, analyze, and document business, functional, and technical requirements for payment initiatives across cross-border, SEPA, SWIFT, ACH, RTP, FedNow, and Fedwire payment rails
• Create and maintain key project documentation including Business Requirement Documents (BRDs), Functional Specification Documents (FSDs), technical specifications, implementation documents, process flows, business rules, use cases, and mapping documents
• Work closely with business stakeholders, product teams, developers, QA teams, and client technical teams to convert business requirements into detailed technical requirements and solution designs
• Define and support end-to-end payment flows for cross-border payments, SEPA payments, direct payments, serial payments, and cover payments
• Support payment message analysis, mapping, and transformation and customer-specific payment format mapping and assist in payment/message workflow investigations
• Contribute to implementation and configuration of payment platforms, including business rule setup, payment engine configuration, and core banking integrations
• Collaborate on end-to-end implementation of payment and banking solutions, including integration with compliance, OFAC screening, fraud detection, AML reporting, and middleware partner systems

Technical Responsibilities

• Strong technical understanding of payment platforms, APIs, system integrations, database structures, message flows, and configurable payment engines
• Work with modern technology stacks and tools such as SQL, MongoDB, Postman, Kafka, Git, SVN, Bitbucket, Jira, Rally, MS Visio, Lucidchart, Miro, Enterprise Architect, and Confluence
• Should be able to understand solution design involving REST interfaces, UI screens, entities, components, validations, mappers, and configuration layers
• Collaborate with engineering teams on interface specifications, implementation design, request-response mappings, and integration requirements
• Assist with technical implementation and deployment support for payment platforms such as OPF, Finzly BankOS, BackOffice, FXStar, and Finastra Swift and Filter
• Support real-time and traditional payment processing implementations across Fedwire, FedNow, RTP, ACH, and SWIFT ecosystems.
• Translate business needs into technical artifacts that support development, testing, implementation, and production readiness

Required Skills and Experience

• Proven experience as a Business Analyst / Technical Business Analyst in the payments domain
• Strong knowledge of cross-border payments, SEPA payments, SWIFT MT messaging, ISO 20022 MX standards, and payment investigations
• Experience working with payment message formats across SWIFT MT 100/200/900 series and ISO 20022 message families
• Strong understanding of payment processing flows, STP, payment risk and controls, and end-to-end transaction lifecycle management
• Experience in requirements gathering, enhancement analysis, change requests, backlog grooming, sprint planning, UAT, and production support
• Ability to bridge business and technical teams and convert requirements into clear, structured functional and technical documentation

Skills Required
Svn, Git, Kafka, Confluence, Postman, Bitbucket, Enterprise Architect, Rally, Sql, Swift Messaging, Mongodb, Jira, Ms Visio, MIRO