Total 5+years experience.

Job Title: Business Analyst – Cards &

Payments(credit are debit card master etc)

Cycling and billing process

BIAN principals

Api,

SDLC/STLC.

Work closely with Business analyst,Product Owners, Developers, QA, and Architects.

Job Description:

We are hiring an experienced Business Analyst with strong expertise in the Cards & Payments domain. The ideal candidate must be proficient in requirement gathering, BRD/FRD preparation, ISO8583, card lifecycle, and end-to-end digital payment journeys.

Key Responsibilities:

Gather and document business requirements (BRD/FRD/User Stories).

Work with stakeholders to define functional and non-functional requirements.

Robust understanding of Card Lifecycle, Issuer/Acquirer flows, BIN, CMS.

Experience in Payment Authorization, Clearing, Settlement, Disputes.





Work closely with Product Owners, Developers, QA, and Architects.

Conduct GAP analysis, impact analysis, and process mapping.

Support UAT/SIT, defect triage, and production validations.

Work in Agile/Scrum environment and manage sprint deliverables.

Mandatory Skills:

Cards & Payments domain knowledge

ISO8583 message formats

Experience with Card Management Systems (CMS)

BRD, FRD, User Stories, Use Cases

JIRA, Confluence, MS Visio

Good to Have:

UPI, Wallets, Tokenization

Merchant acquiring, chargebacks, fraud systems

Experience of BIAN framework

API (REST/SOAP) understanding

Certifications: CBAP/CCBA/CSM/Payments

📌 Business Analyst Lead (Pune)
🏢 Cloudxtreme
📍 Pune