Business Analyst

Business Analyst – Payments (Fintech)

Experience Required:

10+ Years Domain Expertise:

Payments (Domestic & International) Location:

Bangalore/Chennai Employment Type:

Full-time

About the Role We are seeking a highly experienced

Business Analyst

with a strong background in

Payments

within the

Fintech domain

. The ideal candidate will have 10+ years of experience in business analysis, product enhancement, requirements gathering, and end-to-end delivery of payment solutions. This role requires deep domain knowledge of payment systems, regulatory frameworks, digital payments, and transaction processing.

Key Responsibilities Business Analysis & Requirements Management Lead the end-to-end

requirements gathering

process, including functional, non-functional, and system-level requirements. Facilitate workshops with cross-functional stakeholders to understand business needs and translate them into detailed BRDs, FRDs, and user stories. Conduct gap analysis, impact analysis, and feasibility studies for new payment features or enhancements. Collaborate with Product, Technology, Compliance, and Operations teams to define scope and priorities. Payments Domain Expertise Analyze and design workflows for

Card Payments, UPI, Wallets, IMPS/NEFT/RTGS, Cross-border Payments, Tokenization, Mandates

, and other payment instruments. Understand and interpret regulatory guidelines (RBI, NPCI, PCI-DSS, ISO 8583 standards, etc.) and ensure system compliance. Work on authorization, clearing, settlement processes, transaction routing logic, chargeback handling, and dispute resolution. Project Execution & Delivery Act as a bridge between business and technology teams, ensuring timely and quality delivery of payment features. Support development and QA teams with clarifications, functional validation, and UAT planning/execution. Monitor project progress, risks, dependencies, and prepare required documentation. Lead end-to-end product rollout, migration, and post-production support. Data & Process Analysis Perform data-driven analysis to identify Payment trends, failure patterns, drops, and improvement opportunities. Optimize processes to enhance authorization success rates, reduce operational overhead, and improve user experience.

Required Skills & Qualifications Technical & Domain Skills 10+ years in Business Analysis, with

minimum 5+ years specifically in Payment Systems

. Strong understanding of: UPI, IMPS, NEFT, RTGS, Card Payments (Issuer/Acquirer), Wallets ISO 8583 messaging, Payment Switches, Transaction Routing KYC/AML, Risk & Fraud controls, Compliance frameworks Experience working with BFSI/Fintech products, payment gateways, or large-scale transaction systems. Knowledge of API structures (REST, SOAP), SQL, and data analysis tools (desirable). Soft Skills Excellent communication, stakeholder management, and problem-solving abilities. Strong documentation skills with attention to detail. Ability to handle multiple projects in a fast-paced fintech environment. Proven ability to drive decisions, manage conflicts, and deliver results.

Educational Qualifications Bachelor’s or Master’s degree in Engineering, Computer Science, Finance, Business, or related field. Certifications like

CBAP, CCBA, PMP, Agile/Scrum

are an added advantage.

Why Join Us? Opportunity to contribute to cutting-edge

digital payment innovations

. Work closely with industry leaders in the fintech space. Dynamic, high-growth environment with strong career advancement potential.