Murex Treasury

Cognizant; Chennai District; In loco; INR 1.500.000 - 2.600.000; Tempo pieno

Descrizione del lavoro

Cognizant is seeking a seasoned cards and payments consultant to drive discovery sessions, translate business needs into practical payment solutions, and lead end-to-end design across authorization, settlement and reconciliation. You will work with architecture and development teams to define integration patterns for gateways and banking systems, ensuring compliance and risk controls.

You will also author detailed user stories, process flows and functional specs, support testing, and guide

Competenze

• Six to ten years of hands-on experience in cards and payments domains (issuing, acquiring or payment processing).
• Strong knowledge of payments products, card management systems and digital channels.
• Ability to draft user stories, process maps and functional specs using standard consulting tools.
• Familiarity with regulatory frameworks and data protection in payments.
• Excellent communication and stakeholder management for business users and technical teams.
• Experience in agile/iterative delivery and backlog ceremonies is advantageous.
• Exposure to payments analytics or reporting complements consulting responsibilities.

Mansioni

• Drive discovery sessions with business and tech stakeholders to understand pain points and objectives and translate into requirements.
• Design end-to-end payments solutions including authorization, clearing, settlement, dispute handling and reconciliation.
• Lead analysis of product capabilities and gaps and propose enhancements for faster, more resilient processing.
• Coordinate with architecture and development teams on integration patterns for gateways and core banking systems.
• Prepare functional specs, user stories and process flows for cards and payments features.
• Advise on regulatory changes and impact assessments for schemes and local market rules.
• Plan and execute functional/end-to-end testing for payments journeys and ensure production readiness.
• Deliver demos and knowledge transfer to client users and internal teams.

Conoscenze

Stakeholder management

Analytical thinking

Problem solving

Communication

Agile delivery

Backlog refinement

Sprint planning

Process mapping

Descrizione del lavoro

Job summary Responsibilities :

Drive discovery sessions with business and technology stakeholders to understand current cards and payments processes pain points and strategic objectives translating them into clear and practical solution requirements. Design end to end solutions for cards and payment flows including authorization clearing settlement dispute handling and reconciliation that align with regulatory standards and industry best practices. Lead analysis of existing payments product capabilities and gaps proposing enhancements that improve straight through processing transaction speed and operational resilience. Coordinate with architecture and development teams to define integration patterns for payment gateways core banking systems fraud monitoring tools and external networks. Prepare detailed functional specifications user stories and process flows for cards and payments features to ensure shared understanding and traceability across the delivery lifecycle. Guide configuration and parameterization of payment products such as card management digital wallets and merchant acquiring to align with client specific business rules and pricing models. Conduct impact assessments for regulatory and scheme changes in the cards and payments space recommending system and process updates that maintain compliance while minimizing disruption. Plan and execute functional and end to end testing of cards and payment journeys including test data design scenario coverage and defect triage to assure production readiness. Deliver walkthroughs demos and knowledge transfer sessions for client users and internal teams to ensure smooth adoption of new or enhanced payments capabilities. Collaborate with risk compliance and security teams to embed controls that reduce fraud chargebacks and operational risk across the cards and payments ecosystem. Analyze transaction data and operational metrics to identify optimization opportunities proposing improvements that increase approval rates reduce failures and enhance customer satisfaction. Support production go live activities and post implementation monitoring for new payments releases promptly addressing issues to protect service continuity and client trust. Contribute to internal accelerators templates and best practice playbooks for cards and payments consulting that strengthen the company offering and market differentiation. Participate in hybrid work ceremonies including virtual and onsite workshops ensuring effective communication and collaboration across distributed project teams. Advise clients on emerging trends in digital payments real time rails and card innovations positioning solutions that promote financial inclusion and sustainable growth.

Qualifications :

Demonstrate six to ten years of hands on experience in cards and payments domains covering issuing acquiring or payment processing platforms in banking or financial services environments. Exhibit strong functional knowledge of payments products such as card management systems payment switches domestic and international schemes and digital payment channels. Show proficiency in drafting user stories process maps and functional specifications using standard tools and techniques commonly adopted in consulting engagements. Display familiarity with regulatory frameworks and standards relevant to payments including card scheme mandates data protection guidelines and local market regulations. Utilize excellent communication and stakeholder management skills to engage business users technical teams and external partners in a clear and respectful manner. Demonstrate analytical and problem solving skills with the ability to investigate transaction issues pinpoint root causes and recommend pragmatic remediation steps. Value experience in agile or iterative delivery models as a strong advantage including participation in backlog refinement sprint planning and review ceremonies. Appreciation previous exposure to analytics or reporting on payments and card performance as a helpful complement to core consulting responsibilities.