Business Analyst

Opus Technologies; Pune District; Vor Ort; INR 1.800.000 - 3.200.000; Vollzeit

Zusammenfassung

Opus Technologies in Pune is seeking a Lead Business Analyst with product ownership potential to advance money movement capabilities across domestic and cross-border payments, real-time and batch rails, and card flows.

You will translate business, regulatory, and scheme requirements into clear specifications, own the backlog, and collaborate with engineering, QA, operations, and compliance. This role is a path toward Product Manager.

Qualifikationen

• Requirements management, user stories, and acceptance criteria.
• Backlog management and sprint support.
• Knowledge of prioritization frameworks: RICE, WSJF, MoSCoW.
• Process modelling and documentation: BPMN, UML, data flows.
• Agile delivery experience: Scrum, Kanban.
• Foundational technical product thinking and collaboration with engineers.

Aufgaben

• Elicit, analyze, and document requirements for payments across SEPA, SWIFT, wire, and card rails.
• Write epics, user stories, and acceptance criteria; maintain the backlog for product areas.
• Support prioritization and recommend priorities based on value and deadlines.
• Analyze SCT and SCT Inst requirements; implement scheme rule changes.
• Support cross-border payments: routing, FX, fees, tracking, exceptions.
• Lead SWIFT MT to ISO 20022 migration mapping (pacs/pain).
• Identify ways to improve STP by addressing repairs and manual interventions.
• Document clearing, settlement, reconciliation, and cut-off handling for Fed/wire.
• Define card and dispute workflows, including chargebacks and SLAs.
• Incorporate PCI-DSS, AML/KYC, BCBS 239/248 into specs and acceptance criteria.
• Collaborate with devs and QA through sprint planning, refinement, and UAT.
• Track KPIs: STP rate, payment success, settlement accuracy, dispute turnaround.
• Mentor junior analysts and lead workshops with stakeholders.

Kenntnisse

Requirements management

Backlog management

Prioritization frameworks

Process modelling

Agile delivery

Technical product thinking

Tools

BPMN

UML

Jobbeschreibung

Job Title: Lead Business Analyst Money Movement

Location: Pune

Experience: 6-10 Years

Employment Type: FTE

About Company:

Opus Technologies is a trusted engineering partner to payment providers, banks, and fintechs navigating change in a real-time, digital-first world. We solve for business valueaccelerating go-to-market, unlocking future readiness, and powering transformation at scale.

Our promise is simple: Business Value Acceleration. Realization. Maximization.

We deliver on this promise through the Opus trifectaa domain-native engineering skillset, a value-creation mindset, and a toolset that drives business agility. From MVP (Minimum Viable Product) to MPT (Maximum Possible Transformation), Opus turns engineering into a business advantage.

About the Role

We are looking for a Lead Business Analyst with product ownership potential to support our money movement capabilities across domestic and cross-border payments, real-time and batch rails, and card and dispute flows. You will translate business, regulatory, and scheme requirements into clear, testable specifications, own the backlog for a product area, and work closely with engineering, QA, operations, and compliance. This role is a strong stepping stone toward Product Manager.

Key Responsibilities

• Elicit, analyze, and document business and functional requirements for payment products across SEPA, SWIFT, wire, and card rails.


• Write clear epics, user stories, and acceptance criteria, and maintain the backlog for one or more product areas.


• Support prioritization using frameworks such as RICE, WSJF, and MoSCoW, and recommend priorities to the Product Manager based on value, regulatory deadlines, and dependencies.


• Analyze and specify requirements for SEPA Credit Transfer (SCT) and SEPA Instant (SCT Inst), including scheme rulebook changes.


• Support cross-border payment capabilities, including routing, FX, fees, tracking, and exception handling.


• Lead the analysis and mapping for SWIFT MT to ISO 20022 migration (pacs and pain messages), including field-level mapping, data enrichment, and coexistence scenarios.


• Identify opportunities to improve straight-through processing (STP) by analyzing repairs, exceptions, and manual interventions.


• Document requirements for clearing and settlement, reconciliation, and cut-off handling for Fed, wire, and scheme-based flows.


• Define workflows for card and dispute processing, including the chargeback lifecycle, exception handling, and SLAs.


• Incorporate compliance requirements (PCI-DSS, AML/KYC, BCBS 239/248) into specifications and acceptance criteria.


• Work with developers and QA through sprint planning, refinement, and UAT, clarifying requirements and validating delivered features.


• Track and report KPIs such as STP rate, payment success rate, settlement accuracy, and dispute turnaround time.


• Mentor junior analysts and review their requirement artifacts for quality and consistency.


• Facilitate workshops and walkthroughs with business, operations, risk, and compliance stakeholders.

Business Analysis and Product Management

• Requirements management, user stories, and acceptance criteria


• Backlog management and sprint support


• Working knowledge of prioritization frameworks (RICE, WSJF, MoSCoW)


• Process modelling and documentation (BPMN, UML, data flows)


• Agile delivery experience (Scrum, Kanban)


• Foundational technical product thinking and the ability to work with engineers

Payments, Cards and Disputes

• SEPA Credit Transfer and SEPA Instant


• Cross-border payments


• SWIFT MT to ISO 20022 (pacs, pain), including message mapping


• Straight-through processing concepts


• Clearing and settlement fundamentals


• Fed and wire payments


• Card and dispute lifecycle basics

Working awareness of PCI-DSS, AML/KYC, and BCBS 239