Position: Business Analyst -Senior Techno-Functional Payment Application Designer with knowledge of domestic (NACHA, FedWire) and cross-border (SWIFT) payment schemes.

Experience: 7-20 years

Location: Bangalore/Hyderabad/Chennai/Pune/Mumbai A talented, versatile, and hands-on Functional Payments Expert responsible for devising and delivering cutting-edge, innovative payment solutions. The ideal candidate is a self-motivated individual with strong awareness of payments industry trends, bank processing models, payment security, and end-to-end transaction lifecycles with understanding of Technology to design a solution.

Strong business acumen, positive work ethics, and a cooperative mindset are key to success in this role. The candidate will work closely with cross-functional teams including business, product, analytics, UX, and engineering, requiring excellent articulation, negotiation, and influencing skills due to high stakeholder visibility.

This role acts as a bridge between business, product, and implementation teams, translating business needs into scalable, high-performance payment solutions. The individual is expected to be an effective leader, mentor, and thought leader, contributing to future-ready payment architectures and strategies.

The role combines functional design leadership, solution selling, and client-facing engagement, requiring deep working knowledge of payments and modern distributed system architectures.

Your future duties and responsibilities ead techno-functional design and solution definition for complex payment systems, translating business requirements into scalable and resilient solutions

Act as a bridge between business, product, and engineering teams, ensuring alignment across requirements, design, and implementation

Drive requirement elicitation, analysis, and documentation, including BRDs, functional specifications, process flows, data/message mappings, and user stories

Own end-to-end functional design for payment flows, including initiation, validation, clearing, settlement, reconciliation, and exception handling

Define and review functional decomposition aligned to microservices and domain-driven design principles





Collaborate with architects and engineering teams to ensure functional designs align with technical architecture (such as microservices, MQ or Kafka-based event flows, database modelling, UI design etc.).

Validate functional designs against non-functional requirements such as performance, scalability, resiliency, security, and regulatory compliance

Support Development, FAT, UAT and implementation phases, including scenario definition, validation support, and issue analysis.

Provide functional guidance during production issue analysis and root cause investigations, especially for payment failures and reconciliation breaks.

Engage directly with clients and senior stakeholders, presenting designs, explaining solution options, and influencing design decisions

Contribute to solution selling and pre-sales activities, including proposal support, solution walkthroughs, and client discussions.

Mentor junior designers and analysts, promoting best practices and thought leadership in payments design.

Contribute to future-state architecture and product roadmap discussions, incorporating industry trends, regulatory changes, and emerging technologies.

Ensure all functional artifacts are accurate, complete, and audit-ready, supporting operational and compliance needs.

Participate actively in Agile ceremonies, backlog refinement, sprint planning, and cross-team design reviews.

Required qualifications to be successful in this role

Must-Have Skills:

General / Functional Skills

Proven experience in product development with strong focus on techno-functional design, decomposition, and solution definition

Strong UML modeling skills, preferably using Sparx Enterprise Architect

Ability to understand, analyze, and document business requirements from diverse stakeholders

Expertise in Business Analysis,



Requirement Elicitation, Gap & Impact Analysis, Message/Data Mapping, and FAT validation

Experience producing BRDs, Functional Specifications, Process Flow Diagrams, User Stories, Backlogs, and related artifacts

Excellent written and verbal communication skills

Strong client-facing experience, including interaction with senior executives (internal and external)

Solid understanding of technical aspects of software products, including:

Interfaces & APIs

Connectivity & integration patterns

Databases

Application servers & middleware

SOA and distributed systems

Data warehousing, archival, and purge strategies

Hands-on experience across the Software Development Life Cycle (SDLC)

Strong working knowledge of Agile delivery models

Payments Domain Expertise

Extensive experience in payments-related software development projects or products

Strong proficiency in SWIFT, SWIFT GPI, NACHA, CHAPS

Hands-on experience with Clearing & Settlement Systems across Europe, Canada, and the US

Experience working with at least two clearing systems in different countries

Proven track record of product or project implementation in medium to large-scale banks

Architecture & Technology (Key Additions)

Strong working knowledge of Microservices Architecture, including:

Service decomposition and domain-driven design concepts

API-driven integration and service orchestration

Working knowledge of designing interfaces.

Resilience, scalability, and fault-tolerance considerations in payment systems

Performance optimization and high availability considerations

Ability to collaborate effectively with engineering teams to ensure functional designs align with scalable, performant system architectures

Good-to-Have Skills:

Experience with SWIFT Service Bureau implementations

Exposure to product roadmap planning and DevOps strategies

Site implementation experience with leading payment products such as Fundtech or Clear2Pay

Experience representing organizations in external forums, industry panels, or conferences

- Strong understanding of CI/CD pipelines and operational readiness for payment platforms

📌 Business Analyst-Payment Domain with SWIFT,NACHA and CHAPS(7-20 Years) (Bengaluru)
🏢 CGI
📍 Bengaluru