Senior Business Analyst – Cards & Payments

Role Overview

We are looking for a highly experienced Senior Business Analyst – Cards & Payments with deep functional expertise across Card Issuing, Acquiring, ATM/POS Switching and payment processing. The candidate will work closely with business, technology, operations and vendors to drive requirements and functional solutions for complex Cards & Payments initiatives.

Key Responsibilities

• Gather, analyse and document business, functional and system requirements for Cards & Payments initiatives.

• Perform functional and system impact analysis across Issuing, Acquiring and ATM/POS Switching platforms.

• Analyse end-to-end card transaction flows including authorisation, routing, clearing and settlement.

• Work on payment messaging and integrations using ISO 8583 and ISO 20022.

• Support requirements covering credit/debit cards, disputes, chargebacks, delinquency, charge-off and write-off.

• Prepare BRD/FRD, functional specifications, user stories, process flows and acceptance criteria.

• Work closely with business users, architects, developers, testing teams and external vendors.

• Support SIT/UAT, defect analysis, implementation and production rollout.

• Manage requirements and documentation using Jira and Confluence.
  

  Required Skills & Experience

  • 10+ years of relevant Business/System Analysis experience within the banking/financial services domain.

  • Strong functional knowledge of Cards & Payments, including credit/debit card processing.

  • Strong understanding of card payment networks and end-to-end card transaction flows.

  • Good knowledge of disputes and chargeback processes.

  • Experience with loan processing, delinquency, charge-off and write-off.

  • Strong requirements gathering, functional analysis and documentation skills.

  • Experience with Jira and Confluence.

  • Excellent communication, analytical and stakeholder-management skills.

  • Ability to effectively coordinate with business users, vendors and technical teams.
    Strong understanding of end-to-end card transaction lifecycle and payment networks.

    Strong knowledge of credit/debit card processing, disputes and chargebacks.
    

    Preferred

    • Hands-on experience with VisionPLUS.

    • Experience with Jira and Confluence.

    • Experience in large-scale Cards & Payments transformation or migration programs.

    • Bachelor’s degree in Computer Science, Information Technology or a related field.