Cards and Merchant Business Analyst

Job Description

• Knowledge of Cards Issuing, Cards Management and Servicing, Merchant Acquiring Systems, Merchant Payment Gateway and/or the end-to-end cards processing from merchant / POS stand point
• Ability to understand cards and merchant business process and requirements and translate into a functional requirement across a wide array of products and technologies.
• Well versed with Transaction Authorization, Submission, Settlement, Reconciliation, Dispute and Chargeback
• Strong knowledge of ISO8583 messages
• Strong knowledge of EMV data processing – Request and Response Cryptogram
• Strong hold on Credit Card, Prepaid Cards processing
• To undertake business analyst roles covering SDLC phases (requirements, specifications, test cases, and implementation) using AGILE methodology of delivery
• Document and maintain EPICs, Use Stories, Functional Design, and System Specification
• Liaising with business teams, colleagues, third party vendor(s) & partner systems to formulate detailed requirements.
• Interpreting user requirements and produce detailed documentation (including processes) to be used to communicate to technical and test teams
• Producing high-level and detailed impact assessments to inform estimated effort for work packages
• Writing, analyzing & reviewing high level test scenarios
• Involvement in analysis & investigation of Production defects and Testing issues raised during project life cycle
• Ability to walk-through Business Operations team the detailed requirements and the technical design to showcase the solution
• Required to encourage best practices in the development of solutions and ensure delivery of qualitative and cost-efficient system solutions
• Expected to carry out knowledge sharing, and training activities where required

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Key Skills:

• 15+ years of Issuing and Acquiring experience, having worked in Tier-1 IT organizations in BFSI domain for large cards ecosystem system implementation projects, EMV, payments gateway projects
• Good understanding of the Cards systems and e2e flows for origination, underwriting, cards application processing, issuance, account management, disputes and chargeback, cards servicing etc.
• Good understanding of the merchant systems and e2e flows for authorization, refund, stand-in, cancellation, partial approval etc.
• Sound of understanding of payment formats such as ISO8583
• Product Skills – V+, ACI Acquirer Management System, Fiserv would be preferred
• Ability to drive RFPs, provide solution, host practice initiatives, demonstrate practice credential during customer visits
• Excellent communication skills with ability to lead domain discussions independently.
• Proven ability to work with senior stakeholders and business sponsors and gain consensus and agreement