Digital Wealth & Payments Product Analyst – API & GenAI Testing _ 09 Months Contract

Hiring Details • Contract Duration: 9 months • Number of Resources: 1 • Employment Type: Contract Role Summary We are seeking a principal-level specialist to lead complex digital banking initiatives spanning retail banking, wealth management, investments, insurance and payments . This is a hands-on role combining senior business analysis, digital product ownership, API solution analysis, scaled Agile delivery and Generative AI-assisted testing. Candidates must demonstrate recent delivery experience within a bank’s customer-facing internet or mobile banking environment. Generalist Business Analysts, Project Managers, Scrum Masters, Product Owners without banking product depth, and candidates with only operations or production-support experience will not meet the role requirements. Responsibilities • Lead digital banking initiatives from discovery, product strategy and requirements definition through implementation, UAT, release and production stabilisation. • Own product roadmaps, epics, user stories, acceptance criteria, business rules, product backlogs and cross-platform dependencies. • Deliver customer-facing functionality across CASA, deposits, cards, lending, payments, investments, wealth and insurance. • Analyse complex payment journeys involving domestic and overseas transfers, cross-border remittances, payment controls, payee management and transaction limits. • Perform functional analysis of SWIFT MT/MX and ISO 20022 payment messages, including mapping, validation and exception handling. • Lead wealth-product journeys involving unit trusts, structured products, equities, bonds, FX, derivatives and regular savings plans. • Review REST APIs and OpenAPI specifications using Swagger and Postman. • Define payload mappings, validation rules, service orchestration, error handling and upstream/downstream dependencies. • Coordinate digital channels, middleware, core banking, payment engines and external service integrations. • Use Generative AI tools for requirements analysis, API-documentation review, dependency identification and test-scenario generation. • Lead AI-assisted functional and regression testing while maintaining auditability, traceability and banking-data controls. • Facilitate Scrum ceremonies, backlog refinement and SAFe programme increment planning. • Coordinate senior stakeholders across product, operations, technology, architecture, risk, compliance, cybersecurity, testing and vendors. • Mentor Business Analysts and establish standards for requirements quality and end-to-end traceability. Mandatory Requirements Applicants must satisfy all the following requirements: • At least 10 + years of overall technology-delivery experience . • At least 10 years of combined Business Analysis, Product Management or Product Ownership experience . • At least 5 years of recent experience within a bank , delivering customer-facing internet or mobile banking capabilities. • Recent hands-on delivery experience across both retail digital banking and digital wealth management . • Experience across CASA, fixed deposits, credit cards, debit cards, personal loans, mortgage loans, balance transfers and payment controls. • Experience covering at least six investment or wealth products: unit trusts, structured products, equities, bonds, FX, derivatives, insurance and regular savings plans. • End-to-end payment experience across domestic transfers, overseas transfers, cross-border payments, remittances, bill payments, payee management and scheduled transfers. • Hands-on knowledge of SWIFT MT, SWIFT MX and ISO 20022 , including payment-message mapping and validation. • Hands-on API functional-analysis experience using REST APIs, Swagger/OpenAPI and Postman . • Experience mapping dependencies across digital channels, APIs, middleware, payment systems and core banking platforms. • Experience with at least two of the following banking platforms: Finacle, Fiserv VisionPLUS and Oracle FLEXCUBE . • Experience leading product discovery, roadmaps, requirements workshops, backlog prioritisation, UAT and production releases. • Hands-on experience applying Generative AI to requirements analysis, API analysis or test-scenario generation in enterprise delivery. • Experience implementing or leading AI-assisted test automation for customer-facing banking functions. • Strong working experience with Jira, Confluence, Azure DevOps, Figma and SQL. • Practical experience working under both Scrum and SAFe Agile , including programme increment planning. • Previous hands-on software-development experience before moving into Business Analysis or Product Management. • Experience delivering digital products across banking and at least three other industries. • Experience managing geographically distributed business and engineering teams. • Bachelor’s degree in Engineering, Computer Science or Information Technology. Mandatory Certifications Applicants must hold : • Certified Business Analysis Professional or equivalent • Certified Scrum Product Owner or equivalent • Certified ScrumMaster or equivalent • SAFe Product Owner/Product Manager or equivalent Interested candidates are kindly requested to email their CV with their experience to sandeep.sringeripai@global.ntt We look forward to your application!