Senior Payments & Cards Product Specialist

Tata Consultancy Services; Kuala Lumpur; On-site; MYR 180,000 - 320,000; Full time

Job summary

Tata Consultancy Services in APAC is seeking a Senior Payments & Cards Product Specialist to lead end-to-end delivery of card payment projects across ATM terminals, EFT switching, card issuing and acquiring, and digital payments.

The role requires 8+ years in payments domains, deep knowledge of ISO 8583, EMV, PCI-DSS, and strong collaboration with VISA/Mastercard, banks, and technology teams to drive secure, scalable payment solutions.

Qualifications

• 8+ years of experience in Payments, Cards, ATM, or Switching domains.
• Strong hands-on experience in Card Issuing and Acquiring.
• Experience with ISO8583 messaging and transaction processing.
• Experience with ATM terminals and EFT switching platforms.
• Knowledge of VISA, Mastercard, UPI, and payment scheme compliance.

Responsibilities

• Lead project delivery for ATM terminals, ATM switching, debit cards, and payment systems.
• Manage project scope, timelines, budgets, risks, and stakeholder expectations.
• Drive implementation and integration of card issuing and acquiring solutions.
• Work with VISA, Mastercard, UPI, and national payment schemes.
• Manage and support ATM terminal deployments including NCR, Diebold, and GRG devices.
• Ensure compliance with ISO8583, EMV, PCI-DSS, PA-DSS, and card scheme standards.
• Design and integrate APIs, web services, back-office systems, and payment platforms.
• Work with HSM technologies, encryption, key management, and cryptographic protocols.
• Perform requirement analysis, solution design, impact assessment, cost estimation, and project planning.
• Collaborate with business, operations, vendors, and technology teams to deliver innovative payment solutions.

Skills

EFT Transaction Switching

Debit Card Products

Card Issuing & Acquiring

Payment Processing

ISO8583 Messaging

VISA & Mastercard

UPI & National Payment Schemes

API Integration

HSM & Cryptography

EMV, PCI DSS, PA DSS

Shell Scripting

Agile & DevOps

Job description

Join Tata Consultancy Services, Asia Pacific and be part of an organization committed to sustainable development for our future. TCS follows the Tata group philosophy of building sustainable businesses that are rooted in the community and demonstrate care for the environment. Our unique values position us to combine a purpose-driven worldview with digital innovation, collaborating with customers, communities and governments to lead and shape innovative solutions for a sustainable future. TCS has been carbon neutral in its operations across 11 countries, 12 delivery centres and 18 offices in Asia Pacific since 2022. This is only the initial stage in TCS’ journey as we strive to achieve long-term net zero emissions by 2030.

Corporate sustainability is embedded in our triple-bottom-line, focusing on people, the planet, and our purpose. Our offices are designed with eco-friendly features that significantly reduce our carbon footprint and enhance energy efficiency. We actively champion green initiatives, such as promoting paperless operations, implementing energy-efficient practices, and fostering employee engagement in sustainability efforts. When you become part of the TCS family, you will play an essential role dedicated to innovation, excellence, and crafting a brighter, greener future together. Join us and be a part of our mission to drive sustainability through technology and talent at Tata Consultancy Services, APAC today.

Senior Payments & Cards Product Specialist (ATM Switch & Debit Cards)

Experience: 8-15 Years

About the Role

We are looking for an experienced Payments & Cards Product Specialist to lead end-to-end delivery of projects across ATM Terminals, EFT Switching, Debit Cards, Card Issuing, Acquiring, and Digital Payments. The ideal candidate will have strong expertise in card payment ecosystems, ATM technologies, transaction switching, payment networks, and banking systems.

Key Skills

• EFT Transaction Switching
• Debit Card Products
• Card Issuing & Acquiring
• Payment Processing
• ISO 8583 Messaging
• VISA & Mastercard
• UPI & National Payment Schemes
• API Integration (REST, SOAP, JSON)
• HSM & Cryptography
• EMV, PCI DSS, PA DSS
• Shell Scripting
• Agile & DevOps

Responsibilities

• Lead project delivery for ATM terminals, ATM switching, debit cards, and payment systems.
• Manage project scope, timelines, budgets, risks, and stakeholder expectations.
• Drive implementation and integration of card issuing and acquiring solutions.
• Work with VISA, Mastercard, UPI, and national payment schemes.
• Manage and support ATM terminal deployments including NCR, Diebold, and GRG devices.
• Ensure compliance with ISO8583, EMV, PCI-DSS, PA-DSS, and card scheme standards.
• Design and integrate APIs, web services, back-office systems, and payment platforms.
• Work with HSM technologies, encryption, key management, and cryptographic protocols.
• Perform requirement analysis, solution design, impact assessment, cost estimation, and project planning.
• Collaborate with business, operations, vendors, and technology teams to deliver innovative payment solutions.
• Support cloud, digital transformation, open banking, and emerging payment initiatives.

Mandatory Experience

• 8+ years of experience in Payments, Cards, ATM, or Switching domains.
• Strong hands-on experience in Card Issuing and Acquiring.
• Experience with ISO8583 messaging and transaction processing.
• Experience with ATM terminals and EFT switching platforms.
• Knowledge of VISA, Mastercard, UPI, and payment scheme compliance.
• Strong understanding of banking and financial services systems.

Preferred Skills

• QR Payments
• Open Banking
• API Management
• Digital Payments