Position: Senior Payment Business Analyst Location: Bangalore

Experience: Minimum 7+ years
Domain: Banking & Financial Services / Payments

We are seeking an experienced Senior Payment Business Analyst with strong expertise in ISO 20022 messaging standards, payment products, and payment modernization programs. The ideal candidate will have a proven track record of working on payment transformation initiatives, gathering business requirements, and collaborating with business and technology teams to deliver modern payment solutions.

Key Responsibilities

- Analyze and document business requirements for payment modernization and transformation initiatives.
- Demonstrate robust knowledge of ISO 20022 messaging standards, including payment message structures and workflows.
- Work with payment systems, products, and processes across domestic and international payment environments.
- Translate business requirements into functional specifications, user stories, and acceptance criteria.
- Collaborate with product owners, architects, developers, QA teams, and business stakeholders.
- Support payment migration, system integration, and legacy payment modernization initiatives.
- Conduct gap analysis between existing payment systems and target-state solutions.
- Support end-to-end payment processing, testing, validation, and implementation activities.
- Ensure payment solutions align with relevant banking regulations, industry standards, and compliance requirements.
- Facilitate stakeholder meetings, workshops,



and requirement-gathering sessions.

Required Skills & Qualifications

- Minimum 7+ years of experience as a Business Analyst in banking, financial services, or payments.
- Strong hands-on knowledge of ISO 20022 payment messages and standards.
- Experience working on payment modernization programs.
- Good understanding of payment products, payment processing workflows, and banking operations.
- Experience in business requirements documentation, functional specifications, and process mapping.
- Strong analytical, problem-solving, communication, and stakeholder management skills.
- Experience with Agile methodologies, Jira, and Confluence is preferred.

Preferred Skills

- Experience with payment transformation, migration, and ISO 20022 implementation projects.
- Knowledge of SWIFT messaging and relevant payment message types, such as pacs, pain, and camt.
- Understanding of domestic and cross-border payments.
- Familiarity with payment clearing and settlement systems.
- Experience supporting functional testing, UAT, defect resolution, and implementation.

Ideal Candidate Profile
A senior-level Payment Business Analyst with at least 7 years of relevant experience, strong ISO 20022 messaging knowledge, an understanding of payment products, and practical experience delivering payment modernization initiatives.
Key Screening Criteria: ISO 20022 messaging expertise, payment product knowledge, payment modernization experience, and 7+ years of relevant experience

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