**Please Note :: Final interview will be F2F.** Location - Bangalore Office location - Cognizant Neon Facility **Business Analyst - Payments, Trade Finance, Cash Management & Liquidity** **Role Overview** We are seeking a detail-oriented and domain-savvy Business Analyst to support transformation initiatives in Payments (SWIFT, ISO 20022, real-time, cross-border), Trade Finance, and Cash Management & Liquidity. The Business Analyst will act as the bridge between business stakeholders and technology teams, ensuring requirements are clearly defined, solutions are aligned with business objectives, and regulatory compliance is maintained. **Key Responsibilities** **Requirements Gathering & Analysis** Collaborate with business stakeholders to elicit, document, and validate requirements for payments, trade finance, and liquidity solutions. Translate complex business needs into functional and technical specifications. Conduct gap analysis between current processes and target state. **Payments Domain** Support initiatives in SWIFT messaging, ISO 20022 migration, real-time payments, and cross-border transactions. Document workflows, data mapping, and compliance requirements for payment systems. Assist in testing and validation of payment solutions. **Trade Finance** Analyze business processes related to trade finance instruments (letters of credit, guarantees, supply chain finance). Support digitization and automation of trade finance operations. Ensure solutions meet risk management and compliance standards. **Cash Management & Liquidity** Gather requirements for corporate cash management, liquidity optimization, and treasury services. Document processes for real-time cash visibility and forecasting.



Support implementation of liquidity management tools. **Stakeholder Collaboration** Act as liaison between business units, technology teams, and external vendors. Facilitate workshops, interviews, and requirement walkthroughs. Ensure alignment of solutions with business goals and regulatory frameworks. **Risk & Compliance** Ensure requirements adhere to regulatory frameworks (AML, KYC, PSD2, Basel III). Identify risks in requirements and proactively propose mitigation strategies. Support audit and governance processes with clear documentation. **Qualifications** 7-10 years of experience as a Business Analyst in banking or financial services. Strong knowledge of payments (SWIFT, ISO 20022, real-time, cross-border). Experience in trade finance processes and instruments. Familiarity with cash management, liquidity solutions, and treasury operations. Excellent analytical, documentation, and communication skills. Experience working in Agile/SAFe environments preferred. Certifications such as CBAP, CCBA, or Agile BA are a plus. **Key Competencies** Strong problem-solving and analytical skills. Ability to translate business needs into clear technical requirements. Deep understanding of financial products and regulatory frameworks. Collaborative mindset with robust stakeholder management skills. Attention to detail and ability to manage multiple priorities. Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

📌 BA - Payments (Bengaluru)
🏢 Cognizant
📍 Bengaluru