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 .