System Analyst

Experience : 10+ Years Role : System Analyst Key Skills: · Open API, Microservices · Java Responsibilities: Lead the technical analysis, microservices integration design, and end‑to‑end delivery of BI‑FAST Request for Payment (RFP) , eMandate , and Direct Debit capabilities for Indonesia. This role requires strong engineering expertise in API standards , microservices orchestration , event‑driven patterns , and reuse of existing platform components from previous projects. Key Responsibilities 1. Technical Delivery & Systems Analysis • Own BI‑FAST RFP, eMandate and Direct Debit delivery across requirements → solution design → integration → testing → rollout . • Produce engineering‑ready specifications: • • API specs (REST/JSON), OpenAPI/Swagger definitions • Microservices interface contracts , event schemas, callback payloads • Sequence diagrams, state machines, mapping specs, error models • Define end‑to‑end orchestration flows for: • • RFP initiation, acceptance, expiry, rejection • Mandate lifecycle events • Direct Debit presentment, validation, debit and return • Specify robust pre‑processing logic : • • Customer/account validation • Entitlement and authorisation checks • Funds availability • Fraud/AML/sanctions gating • Limits, thresholds, duplicate suppression • Idempotency, retry and timeout handling 2. API & Microservices Architecture • Define API and microservices designs using existing components from previous builds : • • Payment initiation microservices • Validation & entitlement services • Fraud/AML adapters • Core banking and ledger integration patterns • Reuse existing: • • API standards (naming conventions, response structures, error formats) • Security models (OAuth2/JWT, mTLS, signature validation) • Eventing patterns (Kafka topics, event schemas, DLQ handling) • Common libraries for logging, telemetry, utility functions • Ensure microservices follow engineering principles: • • Loose coupling, clear domain boundaries • Async event‑driven integration where applicable • High availability and horizontal scalability • Observability (structured logs, metrics, tracing) 3. User Journeys, Entitlements & Authorisation • Define user journeys for: • • RFP initiation (corporate/merchant) • RFP acceptance (retail/corporate) • Mandate creation and management • Direct Debit debit and return flows • Align journeys with entitlements and auth rules: • • Per‑transaction and daily limits • Maker‑checker workflows for corporates • Channel‑specific access rights • Coordinate with channel teams to maintain parity across Mobile, Internet Banking, H2H and API Banking. 4. Integration & Platform Engineering • Design integration between: • • Payment Hub / RFP Orchestrator • BI‑FAST gateway • Mandate / Direct Debit engines • Core banking, ledger, AML, fraud • Use existing microservices blueprints for: • • Error propagation and code mapping • Schema validation and transformation • Event lifecycle management • Callback patterns and async updates 5. Scheme, Regulatory & Risk Alignment • Translate BI‑FAST RFP, eMandate and Direct Debit scheme rules into: • • Validation rules • Reason code mappings • Reversal/return workflows • Embed mandatory controls: • • AML/CFT & sanctions • Fraud monitoring • Non‑repudiation and evidence capture • TRM, cybersecurity and audit trail requirements 6. Testing, Deployment & Operational Readiness • Lead SIT/UAT/E2E test scenario design for: • • RFP → acceptance → settlement flows • Mandate lifecycle • Direct Debit presentment/return/dispute cases • Timeouts, retries, negative tests • Work with Engineering & Ops to ensure: • • Monitoring dashboards and alerts • Reconciliation and exception queues • Runbooks for replay, retry and operational fixes • Support scheme certification and phased deployment. Success Measures • High‑quality BI‑FAST RFP, eMandate and Direct Debit delivery with minimal defects. • Strong reuse of existing microservices, reducing build complexity and time‑to‑market. • High STP rates, stable performance and consistent low‑latency behaviour. • Clear, engineering‑ready specifications enabling smooth developer adoption. • Strong governance alignment across Product, Engineering, Operations and Risk. Requirements: Key Skills & Experience 7–12 years in payment systems analysis with experience in RFP , eMandate , Direct Debit , or similar. Strong engineering/technical skills: • API design (REST/JSON, OpenAPI/Swagger) • Microservices architecture • Event‑driven patterns (Kafka or equivalent) • State machine and sequence diagram modelling • HA/DR and low‑latency systems Experience integrating with AML, fraud, entitlements and ledger systems. Ability to reuse and extend existing platform components and code frameworks.