Role: Subject Matter Expert (BA)

Experience Range: 8-12 Years

Work Location: Pune

Work Model: WFO (5 Days)

Mandatory Domain: Payments/Cards domain

Skills: Java, Cards & Payments Industry expertise (Issuing/Acquiring/Switching), Payment Standards (ISO 8583, EMV, PCI-DSS, 3DS), Test Techniques.

Mission
As part of solution development, the SME provides advanced expertise in electronic payment processes. They act as strategic advisors for teams and clients, ensuring a deep understanding of complex client needs while driving functional and technical excellence.

Objectives

Lead advanced functional support to teams and address strategic client business needs.

• Serve as a trusted advisor to clients and internal stakeholders on card issuing, acquiring, switching, and digital payment ecosystems.
• Lead the definition of functional and technical roadmaps aligned with business goals and regulatory frameworks (e.g., PCI-DSS, EMV, ISO 8583, PSD2).
• Translate complex client requirements into scalable, secure, and compliant payment solutions.
• Guide the design of payment workflows including authorization, clearing, settlement, and dispute management.

Oversee the implementation of functional specifications at a strategic level.

• Validate and approve key technical deliverables to ensure functional compliance.
• Provide expert-level guidance to development teams on transaction flows, authorization logic, fraud rules, and settlement processes.
• Lead end-to-end functional test strategies including UAT, regression, and certification with schemes (Visa, Mastercard, etc.) and oversee client acceptance phases.

Pioneer thought leadership and innovation in electronic payment practices.

• Monitor emerging trends in digital payments, tokenization, real-time payments, and regulatory changes.
• Develop and deliver advanced training modules for internal and external stakeholders.