Senior Business Analyst

Job Description
Ciklum is looking for a Senior Business Analyst to join our team full-time in India.
We are a custom product engineering company that supports both multinational organizations and scaling startups to solve their most complex business challenges. With a global team of over 4,000 highly skilled developers, consultants, analysts and product owners, we engineer technology that redefines industries and shapes the way people live.
About The Role
As a Senior Business Analyst with strong Cards and Payments domain expertise, preferably with hands-on experience working with TSYS or other major card processing platforms. The candidate will work closely with business stakeholders, Product Owners, technology teams, QA, and payment processors to define requirements and deliver card payment solutions.
Responsibilities
Gather, analyze, and document business and functional requirements through stakeholder discussions and workshops
Create and maintain BRDs, FRDs, user stories, acceptance criteria, use cases, and process flows
Work closely with Product Owners, Project Managers, Developers, QA, and business teams throughout the SDLC
Provide functional expertise across credit, debit, and prepaid card products
Demonstrate understanding of the card transaction lifecycle, including authorization, clearing, settlement, refunds, reversals, chargebacks, and disputes
Work with TSYS/card processing platforms and understand processor integrations and downstream systems
Analyze change requests, perform impact analysis, and identify dependencies across applications and teams
Support UAT planning, test case reviews, defect triage, and production releases
Collaborate with QA teams to ensure requirements are completely covered through functional and integration testing
Work with APIs, data flows, interfaces, and system integrations to translate business requirements into technical specifications
Participate in Agile ceremonies including backlog refinement, sprint planning, daily stand-ups, demos, and retrospectives
Maintain requirements traceability from business requirements through development, testing, and production implementation
Support investigation and resolution of production issues and business queries
Work with payment networks and industry standards, including Visa, Mastercard, and relevant regulatory/compliance requirements
Requirements
7+ years of experience as a Business Analyst / Business Systems Analyst
Strong experience in Cards and Payments domain
Hands-on experience with TSYS or similar card processing platforms
Strong knowledge of credit card, debit card, and prepaid card processing
Experience with requirements gathering and documentation
Strong knowledge of BRD, FRD, user stories, acceptance criteria, and process flows
Experience with UAT, integration testing, defect management, and release support
Understanding of APIs, system integrations, data mapping, and data flows
Experience working in Agile/Scrum environments
Strong analytical, problem-solving, stakeholder management, and communication skills
Experience with Jira and Confluence
Personal Skills
Knowledge of ISO 8583 and card payment messaging
Experience with tokenization and digital wallets such as Apple Pay and Google Pay
Understanding of card authorization, clearing, settlement, chargebacks, and reconciliation
Experience working with Visa/Mastercard mandates and compliance changes
Knowledge of FIS, Fiserv, TSYS PRIME, or other payment processors
Basic SQL knowledge for data validation and analysis
Experience with payment fraud, risk, or regulatory initiatives
What’s in it for you?
Strong community: Work alongside top professionals in a friendly, open-door environment
Growth focus: Take on large-scale projects with a global impact and expand your expertise
Tailored learning: Boost your skills with internal events (meetups, conferences, workshops), Udemy access, language courses, and company-paid certifications
Endless opportunities: Explore diverse domains through internal mobility, finding the best fit to gain hands-on experience with cutting-edge technologies
Care: We’ve got you covered with company-paid medical insurance, mental health support, and financial & legal consultations
About Us
At Ciklum, we are always exploring innovations, empowering each other to achieve more, and engineering solutions that matter. With us, you’ll work with cutting-edge technologies, contribute to impactful projects, and be part of a One Team culture that values collaboration and progress.
India is a strategic innovation hub for Ciklum, with growing teams in Chennai and Pune leading advancements in EdgeTech, AR/VR, IoT, and beyond. Join us to collaborate on game-changing solutions and take your career to the next level.
Explore, empower, engineer with Ciklum!
Interested already? We would love to get to know you! Submit your application. We can’t wait to see you at Ciklum.

Work arrangement
Hybrid