Experience:

- 4 - 8 years of overall experience, with at least 4+ years of relevant hands-on experience in the Payments domain.

- Proven experience as a Business Analyst in payments implementation and transformation programs.

- Candidates must have direct Payments domain experience.

- Profiles with only adjacent banking or financial services experience, without hands-on Payments expertise, will not be considered.

Mandatory Skills:

Payments Domain Expertise:

- Strong Subject Matter Expert (SME) in the Payments Domain with a deep understanding of end-to-end payment processing, payment lifecycle, and payment operations.

- Broad Payments domain experience beyond MT-to-MX migration projects, with exposure to Payment Hub modernization, clearing integration, and payment processing initiatives.

Payment Hub & System Integration:

- Hands-on experience with Payment Hub/Payment Orchestration platforms, including integration with upstream and downstream banking/payment systems.

- Strong understanding of payment system integrations, API/service-based architectures, message routing/orchestration, and collaboration with business, operations, product, and technology teams throughout the implementation lifecycle.

Payment Messaging Standards:

- Strong knowledge of payment messaging standards, including ISO 20022 (MX) and SWIFT MT message formats, with experience in message mapping, validation, and transformation.

Clearing & Payment Rails:

- Proven experience working with clearing schemes and payment rails such as RTGS, ACH, NACH, UPI, NEFT, FPS, SEPA, or equivalent regional clearing systems.

Business Analysis & Delivery:

- Proven experience in requirements gathering, business process analysis, solution design, testing, and stakeholder management for payments implementation and transformation programs.

- Experience in defining functional requirements, business rules, message flows, exception handling, reconciliation processes, and integration specifications for payment systems.

Preferred Skills:

- Experience with payment hub products such as Finastra, FIS, Volante, Temenos, Fiserv, ACI, or similar payment processing platforms.