Technical Analyst - Payment (NEFT/RTGS)

AU Small Finance Bank; Jaipur; On-site; INR 2,000,000 - 3,500,000; Full time

Job summary

AU Small Finance Bank in Jaipur is seeking a Senior Technical Consultant Payments to act as a SME for NEFT and RTGS. You will design, develop, and deploy secure, scalable payment platforms, bridging business requirements with technical execution.

The role emphasizes RBI compliance, production-grade architecture, and collaboration with core banking teams to ensure reliable payment processing. 6+ years in payments and strong API/cloud skills are preferred.

Qualifications

• Minimum 6+ years in financial services or payments domain.
• Hands-on experience with NEFT and RTGS systems.
• Experience leading large-scale payment transformation programs.

Responsibilities

• Act as SME for NEFT/RTGS payment systems across the organization.
• Lead end-to-end development and deployment of payment solutions.
• Oversee integration with core banking systems and payment infra.

Skills

NEFT/RTGS payments

Payments domain expertise

Solution architecture

API integrations

Cloud adoption

Regulatory compliance

Education

Bachelor’s in CS/IT/Engineering

Postgraduate qualification an added advantage

Tools

Jira

MS Project

SQL

Java fundamentals

Job description

Role: Technical Analyst

Work Location: Jaipur

Band: B2/C1

HR Designation: Manager / Senior Manager

Working Days: 5.5(1,3 5 Saturday is working)

Working Mode: Workfrom office

Work Timings: 9:15 AM 6:15 PM

Employment Type: Full-time

Reporting: Lead Flexcube

Role Summary

We are looking for an experienced Senior Technical Consultant Payments to act as a Subject Matter Expert for National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS) systems. The role will lead the complete software development lifecycle for payment solutions, bridging business requirements and technical execution to deliver secure, scalable, compliant, and high-quality payment platforms within the Indian banking ecosystem.

What Youll Do

• Product Solution Design
  • Act as technical SME for NEFT and RTGS payment systems across the organization.
  • Analyze business, operational, and regulatory requirements to design secure and scalable payment solutions.
  • Define solution architecture leveraging modern concepts such as microservices, APIs, and cloud-ready designs.
• Development Integration
  • Lead end-to-end development and implementation of payment solutions from requirements to deployment.
  • Oversee integration of payment platforms with core banking systems and internal/external payment infrastructure.
  • Ensure adherence to coding standards, architecture principles, and industry best practices.
• Testing Quality Assurance
  • Coordinate and govern System Integration Testing (SIT) and User Acceptance Testing (UAT).
  • Conduct code reviews and ensure solutions meet functional, non-functional, and regulatory standards.
  • Ensure compliance with RBI guidelines and internal governance frameworks.
• Support Problem Resolution
  • Provide expert-level production support and troubleshooting for critical payment issues.
  • Perform root cause analysis and implement preventive measures to minimize downtime and failures.
• Documentation Stakeholder Management
  • Prepare and maintain technical documents, functional specifications, and architecture artifacts.
  • Share regular status updates, reports, and dashboards with business and technology stakeholders.

Success Metrics (first 12 months)

• Stable and timely delivery of NEFT and RTGS solutions with zero critical production issues.
• High system availability and reduced operational incidents.
• Zero high or critical audit observations from regulatory or internal audits.
• Improved efficiency, scalability, and reliability of payment processing systems.

Must-Have Qualifications

• Minimum 6+ years of experience in the financial services or payments domain.
• Mandatory hands-on experience with NEFT and RTGS systems.
• Proven experience in leading and delivering large-scale or multi-year payment transformation programs.
• Strong understanding of payment lifecycle and schemes including NEFT, RTGS, IMPS, UPI, and SWIFT.
• Experience in solution design using microservices architecture, API integrations, and cloud adoption models.
• Working knowledge of SQL, Java fundamentals, and tools such as Jira and MS Project.
• Strong understanding of regulatory and compliance requirements in the Indian banking sector.

Education

• Bachelors Degree in Computer Science, Information Technology, Engineering, or a related discipline.
• A postgraduate qualification is an added advantage.

Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.