Business Analyst Transaction Banking & Payments- Big 4

Job Title : Business Analyst – Transaction Banking & Payments

Locations to choose: Any one of these locations (Bangalore , Delhi, Gurgaon, Noida ,  Pune , Mumbai).

Notice Period: Less than 60 Days (90 Days notice period is not considered) , Early or immediate joiners prefered.

Role Summary:
We are seeking an experienced Business Analyst with strong Transaction Banking and Payments domain expertise to support large-scale digital transformation initiatives across Domestic & International Payments and Wallet journeys.
The role requires deep understanding of end-to-end payment lifecycles, strong business acumen, and hands-on experience delivering digital journeys in Agile environments while working with global stakeholders.

Key Responsibilities
 Lead requirements elicitation through stakeholder interviews, workshops, and working sessions
 Develop business cases for transformation initiatives and support benefits realization tracking post-implementation
 Create and maintain BRDs, Functional Specifications, process maps, and journey documentation
 Develop use cases, wireframes, flow diagrams, RTM, and business flows for Technology and QA teams
 Own product delivery artifacts including product roadmaps, epics, user stories, acceptance criteria, and prioritized backlogs using Jira & Confluence
 Proactively identify dependencies, risks, assumptions, and testing inputs and communicate them early
 Support test planning, defect triage, and User Acceptance Testing (UAT)
 Prepare documentation and reporting for working groups, governance forums, and steering committees
 Track milestones, manage delivery risks, and escalate variances as required
 Support go-live readiness, tollgate approvals, and post-implementation reviews

Mandatory Experience & Skills
 8+ years of overall experience with minimum 2+ years as a Business Analyst in Banking / Financial Services

 Strong Payments domain expertise including:
o Domestic & Cross-Border Payments, SWIFT
o ISO 20022 / ISO 15022, SEPA
o Wallets, P2P transfers, mobile and bill payments
o Cards: Credit, Debit (online/offline), Prepaid, Virtual
o FX engine
o Payments Operations
 Proven experience delivering end-to-end digital transformations with ownership (Retail Banking required)
 Solid understanding of the complete payment transaction lifecycle
 Hands-on experience working in Agile delivery models (Scrum / SAFe) beyond ceremonies
 Strong proficiency in Jira and Confluence for backlog management and documentation
 Ability to translate complex business requirements into clear, concise artifacts without excessive technical jargon
 Strong stakeholder management skills

Preferred / Good to Have
 Prior experience working with Global Stakeholders
 Experience in large-scale payments transformation programs
 Exposure to Core Banking / Payments platforms (Finacle, FIS, TCS BaNCS, etc.)
 Experience working with global banks or international geographies
 MBA from a Tier-1 B-School

Certifications (Good to Have)
CBAP, CSPO, CSM, SAFe, PMP, PRINCE2