Location : Hyderabad (Work from Office)

Experience : 6 - 12 Years

Role Overview :

We are looking for experienced professionals with strong expertise in Merchant Payments Ecosystem, covering onboarding, PSP integrations, settlements, and reporting. The ideal candidate will have deep domain knowledge in digital payments and marketplace platforms.

Key Responsibilities :

- Merchant Onboarding

- Merchant Seller / Payments Management

- PSP Integration (Payment Service Provider Integration)

- Merchant Settlement

- Merchant Reporting & Analytics

Required Skills & Expertise :

- Strong understanding of Payments & FinTech ecosystem.

- Experience in UPI, Cards, Wallets, and Marketplace payment flows.

- Knowledge of RBI, NPCI, AML, and compliance standards.

- Expertise in reconciliation, ledger systems, and settlement workflows.

- Experience in API integrations with PSPs.

- Strong analytical and stakeholder management skills.

- Experience working in high-volume transaction systems.

Preferred Background :

- Experience with large-scale payment or e-commerce platforms.

- Exposure to dynamic payment routing and multi-PSP architecture.

- Knowledge of digital wallet and marketplace ecosystems.

- Strong understanding of RESTful APIs, Webhooks, and Microservices architecture

- Hands-on exposure to PSP integrations such as Razorpay, PayU, Stripe, Adyen, Cashfree, etc.

- Experience with Payment Gateways, Payment Orchestration Platforms, and Tokenization frameworks

- Knowledge of ISO 8583 messaging protocol (for card transactions)

- Understanding of PCI-DSS compliance and secure payment handling

- Familiarity with 3D Secure (2FA), OTP flows, and authentication mechanisms

- Working knowledge of SQL/NoSQL databases (MySQL, PostgreSQL, MongoDB)

- Understanding of ledger systems, double-entry accounting, and reconciliation engines

- Exposure to event-driven architecture (Kafka, RabbitMQ)

- Experience with high-availability and scalable systems design

- Deep understanding of settlement cycles (T+1, T+2) and payout workflows

- Experience with automated reconciliation tools, exception handling, and dispute management

- Familiarity with chargebacks, refunds, and reversal flows

- Proficiency in data analysis tools (SQL, Excel, Power BI, Tableau)

- Ability to define and track payment KPIs (success rate, drop-offs, latency, conversion)

- Experience in fraud detection systems and risk analytics

- Knowledge of multi-PSP routing, failover mechanisms, and smart routing logic

- Experience in payment retry mechanisms and transaction optimization strategies

- Understanding of subscription billing, recurring payments (e-mandates, NACH, UPI AutoPay)

- Exposure to BNPL (Buy Now Pay Later) and EMI payment flows

- Strong understanding of RBI guidelines, NPCI frameworks, KYC/AML compliance

- Familiarity with data encryption standards (AES, RSA) and secure data transmission

- Knowledge of fraud prevention tools and risk scoring models

- Experience with JIRA, Confluence, Postman, Swagger

- Exposure to cloud platforms (AWS, Azure, GCP) for payment infrastructure

- Familiarity with monitoring tools (Datadog, Grafana, New Relic)