Technical Analyst - Payment NEFT RTGS

AU SMALL FINANCE BANK; Navi Mumbai; On-site; INR 2,800,000 - 4,200,000; Full time

Job summary

AU SMALL FINANCE BANK in Jaipur is seeking a Senior Technical Consultant – Payments to lead as SME for NEFT/RTGS. You will drive design, development, testing, and deployment of payment platforms, ensuring RBI compliance, scalability, and secure integration with core banking systems.

You will oversee end-to-end delivery, coordinate with stakeholders, and mentor teams while maintaining high availability and adherence to governance standards within the Indian banking ecosystem.

Qualifications

• Minimum 6+ years of experience in financial services or payments domain.
• Hands-on experience with NEFT and RTGS systems.
• Proven experience leading large-scale payment transformation programs.
• Strong understanding of payment lifecycle: NEFT, RTGS, IMPS, UPI, SWIFT.

Responsibilities

• Lead product & solution design for NEFT/RTGS and other payment systems.
• Oversee development, integration with core banking systems and payment infrastructure.
• Coordinate SIT/UAT and ensure regulatory compliance.
• Provide production support and root cause analysis for payment issues.
• Prepare technical docs, specifications, and governance artefacts.

Skills

NEFT/RTGS payments domain

Solution design

Microservices

API integrations

Cloud adoption

SQL

Java fundamentals

Jira

MS Project

Regulatory/compliance knowledge

Education

Bachelor’s Degree in Computer Science/IT/Engineering

Tools

Jira

MS Project

SQL tooling

Job description

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: Work from office

Work Timings: 9:15 AM – 6:15 PM

Employment Type: Full-time

Reporting: Lead Flexcube

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 You’ll 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

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