Assoc Prod Specialist - Switching And Cards WRB Tech

Standard Chartered India; Chennai; Hybrid; INR 1,500,000 - 2,600,000; Full time

Benefits offered by this job

Flexible working options

Wellbeing support

Learning & development opportunities

Job summary

Standard Chartered India is seeking an experienced Solution Architect to design and deliver robust ATM Switch and Cards & Payment solutions. You will own end-to-end architecture, drive integration with VISA/MasterCard ecosystems, and manage risks, vendors, and timelines.

You will work in a hybrid setup across banking domains, leveraging Cloud and digital transformation initiatives while ensuring regulatory compliance and secure cryptographic practices.

Qualifications

• Experience in ATM/POS switching, card issuance, and payment processing
• Knowledge of ISO8583 messaging standards and payment schemes (VISA/MasterCard/UPI)
• Familiarity with PCI DSS/PA-DSS and EMV standards
• Experience with API integration (SOAP/REST) and back-office integrations
• Hands-on experience with HSM protocols and cryptography (3DES, AES)
• Experience in cloud services and digital transformation projects
• Strong architecture, design, and document writing skills
• Excellent communication and stakeholder management abilities

Responsibilities

• Create a robust roadmap for ATM Switch and Cards & Payment domains
• Lead solution architecture design and delivery for payment solutions
• Manage risks, vendors, and project timelines
• Ensure compliance with PCI DSS/PA-DSS and card schemes
• Collaborate across teams to deliver end-to-end payment solutions

Skills

ATM/POS switching

ISO8583 messaging

EMV & PCI DSS

API integration (SOAP/REST)

HSM & cryptography

Cloud & digital transformation

Stakeholder management

VISA/MasterCard processing

Education

B.Tech/B.E. or MBA in IT

Tools

Web Services

Unix/Linux shell scripting

Job description

Job Description:

Job Summary

• The role will be responsible to creating a roadmap for application which are robust and futuristic solutions for ATM Switch and Cards & Payment domain.
• The role will be responsible for handling the Solution Architecture designing and delivery for the ATM Switch, Cards and Payment domain.
• Will be responsible for developing solutions, stake holder management, vendor management and delivering the developed solutions.
• Ability to Identifying and managing risks, including developing contingency plans to mitigate potential issues.
• Knowledge on card issuing and transaction acquiring processing and standards.
• Knowledge on ISO8583 messaging standard protocols.
• Hand on experience with VISA, MasterCard Card, UPI and other national card schemes Issuing & Acquiring, Scheme compliance requirement.
• Desirable to have knowledge on national schemes and processor integrations.
• Knowledge about API’s (SOAP, JSON, REST..ETC) and Web Service Integration.
• Knowledge about Back Office integration.
• Knowledge about HSM protocols and configuration, Knowledge about encryption Keys/Cryptography both symmetric and asymmetric keys, 3DES, AES, SM4, SHA.
• Familiarity with EMV technologies and standards, and PCI DSS and PA DSS standards.
• Familiarity with 3DS and Tokenization standards.
• Experience with an EFT transaction switching or on-line banking environment.
• Hands-on experience with automated test tools and simulators.
• Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be an added Advantage.
• Strong design and hands-on programming experience on Unix/Linux environment, Unix Shell Scripting
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• Excellent verbal and written communication skills to technical and non-technical audiences of various levels in the organization
• Willingly shares relevant technical and/or industry knowledge and expertise to other resources
• Excellent problem-solving, team, and time management skills.
• Resourceful and proactive in gathering information and sharing ideas.
• Experience in banking or financial services industry.
• Working experience in Cloud and Digital transformation projects is an advantage.
• Good knowledge skill on open banking is a plus.
• Ability to review the requirement, impact analysis, gap analysis, high level design, cost estimation, propose timeline, obtain project approval, and draft solution architecture/function spec/technical spec document.
• Be an excellent leader, Subject matter expert on the technical and functional knowledge
• Good team collaboration, relationships within & outside POD to all levels of the organization Strong influencing, conflict resolution & negotiation skills

Key Responsibilities

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.

Skills And Experience

• Knowledge of ATM/POS switching, Debit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards
• Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
• Experience with an EFT transaction switching and processing.
• Familiarity on PCI DSS and PA DSS compliance requirements
• Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
• Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be a added Advantage
• Experience in Web Service integration and API’s
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• Excellent in preparing the Solution Architecture document, Functional and technical spec
• Excellent problem-solving, team, and time management skills.
• Experience in Programming Languages and other emerging technologies
• Experience in Cloud Services

Qualifications

• Education: B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 5 to 10 Years

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.

Requirements: