Technical Analyst - Payment (NEFT/RTGS)

AU Small Finance Bank; Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

AU Small Finance Bank seeks an experienced Senior Technical Consultant Payments to lead the end-to-end delivery of NEFT/RTGS solutions. You will drive design, development, and integration with core banking systems, ensuring regulatory compliance and high-quality delivery.

Ideal candidates bring 6+ years in payments, strong API/microservices experience, and proficiency in SQL and Java fundamentals. This role is based in Jaipur with a full-time, in-office setup.

Qualifications

• Experience in financial services/payments domain (6+ years).
• Hands-on NEFT and RTGS system experience.
• Led large-scale payment transformation programs.

Responsibilities

• Lead end-to-end development and deployment of payment solutions.
• Oversee integration with core banking systems and payment infrastructure.
• Ensure adherence to coding standards and architecture principles.
• Coordinate SIT and UAT; perform code reviews.
• Provide production support and root cause analysis.

Skills

NEFT RTGS

Payments domain

Microservices design

API integrations

Cloud adoption

SQL

Java fundamentals

Regulatory compliance

Education

Bachelors in CS/IT/Engineering

Postgraduate qualification

Tools

Jira

MS Project

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.