– Senior Business Analyst – Cards & Digital Banking

Position: Senior Business Analyst – Cards & Digital Banking

Experience: 15+ Years

Location: Bangalore / Hyderabad / Chennai

Domain: Banking & Financial Services

Role Overview

We are seeking an experienced Senior Business Analyst with strong expertise in Cards & Payments, Digital Banking, PowerCARD, and Fiserv platforms . The candidate will act as a techno-functional bridge between business stakeholders, product owners, solution architects, technology teams, operations, and external vendors.

The role will be responsible for driving business analysis, product enhancements, regulatory initiatives, system modernization, and digital banking transformation programs within complex banking environments.

Key Responsibilities

Business Analysis & Requirements Management

- Gather, analyze, and document business requirements through stakeholder workshops, interviews, and business process analysis.
- Prepare BRDs, FRDs, User Stories, Use Cases, Process Flows, Functional Specifications, and Data Mapping Documents .
- Conduct requirement walkthroughs and facilitate business sign-offs.
- Perform impact analysis for new initiatives, enhancements, and system changes.
- Define and prioritize requirements in collaboration with Product Owners and business stakeholders.
- Translate business requirements into clear functional and technical requirements.

Cards & Payments Domain
- Provide functional expertise across Credit Cards, Debit Cards, Prepaid Cards, Merchant Acquiring, ATM/POS, and Digital Payments .
- Demonstrate strong understanding of the complete card lifecycle, including Card Origination, Issuance,



Embossing & Personalization, Authorization, Clearing & Settlement, Chargebacks & Disputes, Loyalty & Rewards, and Fraud Management .
- Analyze business processes and identify opportunities for optimization and digital transformation.

PowerCARD & Fiserv
- Act as a Subject Matter Expert (SME) for PowerCARD and Fiserv-based card solutions.
- Analyze business requirements and support functional configuration within the cards ecosystem.
- Support integration with Core Banking Systems, Financial Switches, Payment Gateways, CRM Platforms, Mobile Banking, and Internet Banking .
- Collaborate with technology teams on system enhancements, upgrades, migrations, and releases.

Techno-Functional Leadership
- Translate business requirements into technical and functional specifications.
- Review APIs, interfaces, data mappings, integration specifications, and system workflows .
- Work closely with Solution Architects, Developers, QA teams, and vendors.
- Participate in solution design reviews, architecture discussions, and technology assessments.
- Identify dependencies, risks, and impacts across integrated banking systems.

Testing & Implementation
- Define test scenarios, business test cases, and acceptance criteria.
- Support SIT, UAT, regression testing, and production validation .




- Coordinate defect identification, prioritization, and resolution.
- Support release planning, implementation, and Go-Live activities.
- Conduct business readiness and operational acceptance activities.

Stakeholder Management
- Collaborate with Business, Operations, Risk, Compliance, IT, Product, Architecture, and external vendors .
- Lead requirement workshops, governance meetings, and stakeholder discussions.
- Present requirements, solution options, risks, and recommendations to senior stakeholders.
- Maintain effective communication across business and technology teams.

Required Skills

Functional Skills

- Strong experience in Banking & Financial Services .
- Strong expertise in Cards & Payments .
- Good understanding of Retail Banking and Digital Banking processes.
- Robust understanding of card processing and payment ecosystems.
- Awareness of banking regulatory and compliance requirements.

Technical Skills
- PowerCARD
- Fiserv
- API and Microservices
- SQL and Data Analysis
- REST/SOAP Web Services
- Integration Architecture
- Enterprise Application Integration
- Core Banking and Payment System integrations
- Data Mapping and Interface Specifications

Business Analysis & Documentation
- BRD / FRD
- User Stories and Use Cases
- Process Flows / Process Maps
- Functional Specifications
- Data Mapping Documents
- UAT Test Scenarios
- Acceptance Criteria
- Requirement Traceability

Preferred Banking Product Experience
- PowerCARD
- Fiserv
- FinOne
- Temenos T24
- Finacle
- Flexcube
- CRM Platforms
- Loan Origination Systems
- Loan Management Systems

📌 Solutions Architect (Bangalore Metropolitan Area)
🏢 Volto Consulting
📍 Bangalore Metropolitan Area