Role Overview
We are looking for a highly experienced
Senior Business Analyst – Cards & Payments
with deep functional expertise across
Card Issuing, Acquiring, ATM/POS Switching and payment processing
. The candidate will work closely with business, technology, operations and vendors to drive requirements and functional solutions for complex Cards & Payments initiatives.
Key Responsibilities
Gather, analyse and document business, functional and system requirements for
Cards & Payments
initiatives.
Perform functional and system impact analysis across
Issuing, Acquiring and ATM/POS Switching
platforms.
Analyse end-to-end card transaction flows including
authorisation, routing, clearing and settlement
.
Work on payment messaging and integrations using
ISO 8583 and ISO 20022
.
Support requirements covering
credit/debit cards, disputes, chargebacks, delinquency, charge-off and write-off
.
Prepare BRD/FRD, functional specifications, user stories, process flows and acceptance criteria.
Work closely with business users, architects, developers, testing teams and external vendors.
Support SIT/UAT, defect analysis, implementation and production rollout.
Manage requirements and documentation using
Jira and Confluence
.
Required Skills & Experience
10+ years
of relevant Business/System Analysis experience within the
banking/financial services domain
.
Strong functional knowledge of
Cards & Payments
, including credit/debit card processing.
Strong understanding of
card payment networks and end-to-end card transaction flows
.
Good knowledge of
disputes and chargeback processes
.
Experience with
loan processing, delinquency, charge-off and write-off
.
Strong requirements gathering, functional analysis and documentation skills.
Experience with
Jira and Confluence
.
Excellent
communication, analytical and stakeholder-management skills
.
Ability to effectively coordinate with
business users, vendors and technical teams
.
Strong understanding of
end-to-end card transaction lifecycle and payment networks
.
Strong knowledge of
credit/debit card processing, disputes and chargebacks
.
Preferred
Hands-on experience with
VisionPLUS
.
Experience with
Jira and Confluence
.
Experience in large-scale Cards & Payments transformation or migration programs.
Bachelor’s degree in
Computer Science, Information Technology or a related field
.