Solutions Architect

Job Description – Senior Business Analyst – Cards & Digital Banking
Position: Senior Business Analyst – Cards & Digital Banking
Experience: 15+ Years
Location: Bangalore / Hyderabad / Chennai
Domain: Banking & Financial Services
Role Overview
We are seeking an experienced Senior Business Analyst with strong expertise in Cards & Payments, Digital Banking, PowerCARD, and Fiserv platforms. The candidate will act as a techno-functional bridge between business stakeholders, product owners, solution architects, technology teams, operations, and external vendors.
The role will be responsible for driving business analysis, product enhancements, regulatory initiatives, system modernization, and digital banking transformation programs within complex banking environments.
Key Responsibilities
Business Analysis & Requirements Management
Gather, analyze, and document business requirements through stakeholder workshops, interviews, and business process analysis.
Prepare BRDs, FRDs, User Stories, Use Cases, Process Flows, Functional Specifications, and Data Mapping Documents.
Conduct requirement walkthroughs and facilitate business sign-offs.
Perform impact analysis for new initiatives, enhancements, and system changes.
Define and prioritize requirements in collaboration with Product Owners and business stakeholders.
Translate business requirements into clear functional and technical requirements.
Cards & Payments Domain
Provide functional expertise across Credit Cards, Debit Cards, Prepaid Cards, Merchant Acquiring, ATM/POS, and Digital Payments.
Demonstrate strong understanding of the complete card lifecycle, including Card Origination, Issuance, Embossing & Personalization, Authorization, Clearing & Settlement, Chargebacks & Disputes, Loyalty & Rewards, and Fraud Management.
Analyze business processes and identify opportunities for optimization and digital transformation.
PowerCARD & Fiserv
Act as a Subject Matter Expert (SME) for PowerCARD and Fiserv-based card solutions.
Analyze business requirements and support functional configuration within the cards ecosystem.
Support integration with Core Banking Systems, Financial Switches, Payment Gateways, CRM Platforms, Mobile Banking, and Internet Banking.
Collaborate with technology teams on system enhancements, upgrades, migrations, and releases.
Techno-Functional Leadership
Translate business requirements into technical and functional specifications.
Review APIs, interfaces, data mappings, integration specifications, and system workflows.
Work closely with Solution Architects, Developers, QA teams, and vendors.
Participate in solution design reviews, architecture discussions, and technology assessments.
Identify dependencies, risks, and impacts across integrated banking systems.
Testing & Implementation
Define test scenarios, business test cases, and acceptance criteria.
Support SIT, UAT, regression testing, and production validation.
Coordinate defect identification, prioritization, and resolution.
Support release planning, implementation, and Go-Live activities.
Conduct business readiness and operational acceptance activities.
Stakeholder Management
Collaborate with Business, Operations, Risk, Compliance, IT, Product, Architecture, and external vendors.
Lead requirement workshops, governance meetings, and stakeholder discussions.
Present requirements, solution options, risks, and recommendations to senior stakeholders.
Maintain effective communication across business and technology teams.
Required Skills
Functional Skills
Strong experience in Banking & Financial Services.
Strong expertise in Cards & Payments.
Good understanding of Retail Banking and Digital Banking processes.
Strong understanding of card processing and payment ecosystems.
Awareness of banking regulatory and compliance requirements.
Technical Skills
PowerCARD
Fiserv
API and Microservices
SQL and Data Analysis
REST/SOAP Web Services
Integration Architecture
Enterprise Application Integration
Core Banking and Payment System integrations
Data Mapping and Interface Specifications
Business Analysis & Documentation
BRD / FRD
User Stories and Use Cases
Process Flows / Process Maps
Functional Specifications
Data Mapping Documents
UAT Test Scenarios
Acceptance Criteria
Requirement Traceability
Preferred Banking Product Experience
PowerCARD
Fiserv
FinOne
Temenos T24
Finacle
Flexcube
CRM Platforms
Loan Origination Systems
Loan Management Systems

Work arrangement
No