- Experience : Minimum of 7+ years of experience as a Business Analyst within the Banking & Financial Services industry, with significant experience in Finacle Core Banking and Payments systems.

- Domain Knowledge : Deep understanding of end-to-end payment systems and processes (Cards, Mobile payments, Account-based payments), retail banking operations, product workflows, and reconciliation processes.

- Technical Skills : Proficiency in creating process flows (e.g., Visio), documentation (BRDs, FSDs), and basic knowledge of SQL for data analysis/troubleshooting is highly valued.

- Methodologies : Experience working in Agile (Scrum/Kanban) and Waterfall project methodologies is often preferred.

- Soft Skills : Excellent communication (written and verbal), strong analytical and problem-solving skills, and proven stakeholder management abilities.

Technical/Domain Skills :

- In-depth knowledge of payment life cycles, clearing mechanisms, and settlement processes.

- Familiarity with related banking modules such as General Ledger, CRM, and Limits within Finacle is highly advantageous.

- Proficiency in analytical tools (Visio, Jira, Confluence) and basic SQL for data querying/validation.

Soft Skills :

- Exceptional analytical, problem-solving, and critical-thinking abilities.

- Superior verbal and written communication skills, capable of presenting complex information clearly to non-technical stakeholders.

- Strong leadership qualities and experience managing cross-functional teams in an Agile or Waterfall environment.

The Senior Business Analyst will serve as a vital link between the business objectives and technology solutions related to the bank's Finacle Payments systems. This role requires deep functional knowledge of Finacle modules and end-to-end payment processes, ensuring efficient operations, regulatory compliance, and successful project delivery

Key Responsibilities :

- Requirement Gathering & Analysis : Lead workshops and engage with business stakeholders (Operations, Compliance, Finance) to understand, gather, and document functional needs for Finacle Payments enhancements and integrations.

- Documentation & Deliverables : Prepare detailed Business Requirement Documents (BRDs), Functional Specification Documents (FSDs), user stories, process flows, and gap analyses. Ensure all documentation is clear, structured, and maintained with proper version control.

- Finacle Functional Expertise : Act as a Subject Matter Expert (SME) for Finacle Core Banking, with strong hands-on expertise in payments modules (e.g., NEFT, RTGS, SWIFT, IMPS, UPI, etc.). Support Finacle parameterization, product configuration, and impact assessments for change requests.

- System Testing & UAT : Drive end-to-end testing lifecycle, including preparing UAT test scenarios, test scripts, and acceptance criteria. Coordinate UAT cycles with business users, track defects, and ensure timely resolution and sign-off.

- Stakeholder Management : Act as the primary bridge between business users, technology teams, and external vendors. Communicate progress updates, manage expectations, and ensure alignment between business needs and technology solutions.

- Process Improvement & Compliance : Identify opportunities to streamline or optimize payment processes within Finacle workflows. Ensure all solutions comply with banking policies, regulatory requirements (e.g., ISO20022 messaging standards), and audit guidelines.

- Troubleshooting & Support : Analyze Finacle logs, error messages, and system behaviors to support troubleshooting with development and QA teams, providing functional support during production deployments.

- Leadership : Potentially lead and mentor junior business analysts, ensuring high-quality deliverables and adherence to project timelines.