Required Skills
- Solid Cards domain expertise with hands on exposure to issuing systems, authorization engines, transaction back office processing, clearing & settlement flows, scheme interfaces, fraud, embossing, and external integrations.
- Proven experience as a Functional Analyst in large scale banking or Cards transformation programs, preferably involving system modernization or migration.
- Solid understanding of legacy and distributed architectures from a functional standpoint, including batch processing, real time processing, and API based integrations.
- Ability to work effectively in agile, squad based, and multi vendor delivery environments.
- Experience defining functional flows, data mappings, business rules, and exception scenarios across complex payment ecosystems.
- Strong collaboration skills to work with product owners, architects, development, and testing teams.
- Excellent communication and stakeholder management skills, with the ability to explain complex functional topics to both technical and non technical audiences.
- Familiarity with regulatory and scheme requirements (e.g., card schemes, regional compliance constraints) is highly desirable.

Key Responsibilities

- Act as a bridge between business stakeholders and IT delivery teams,



ensuring clear translation of business needs into detailed functional requirements across cards and payments systems.
- Perform end to end functional analysis across the card lifecycle, including customer onboarding, card issuance, authorization, transaction processing, clearing, settlement, billing, statements, and card maintenance.
- Conduct functional gap analysis between existing systems and target platforms; define functional solutions, business rules, data flows, and exception handling.
- Elaborate functional specifications to support system modernization, platform migration, and legacy decoupling initiatives.
- Collaborate with architects, technical analysts, developers, and testers to ensure functional coherence throughout design, build, and test phases.
- Support agile / iterative delivery models, including backlog refinement, story definition, acceptance criteria, and sprint-level functional clarifications.
- Validate functional implementation during SIT, UAT, regression testing, and coordinate defect triage and resolution from a business perspective.
- Provide functional support during production rollout and post go live, including incident analysis, root cause assessment, and functional documentation updates.
- Contribute to knowledge retention and documentation, especially in environments involving legacy system transformation or decommissioning.

📌 Business Analyst-Card Issuing (Hyderabad)
🏢 Capgemini
📍 Hyderabad