Senior Payments Engineer for High-Volume Banking Platforms

Tata Consultancy Services (TCS); Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Tata Consultancy Services (TCS) is seeking a hands-on Senior Payments Developer / Systems Analyst to build, enhance and support high-volume banking payment platforms. The role covers full SDLC ownership from requirements to production support.

You will work on payment processing applications, interfaces and transaction components, with deep exposure to ISO 8583 and ISO 20022, and strong SQL/PLSQL, Linux scripting, and Python automation.

Qualifications

• 10–12 years of software development experience in banking/payments.
• Progression from Developer to Senior Developer/Technical Analyst.
• Strong understanding of complete payment transaction lifecycle.
• Solid ISO 8583 knowledge and ISO 20022 exposure.
• Experience with card acquiring, transaction switching, payment processing or authorization platforms.
• Experience with payment networks (Visa, Mastercard, Discover).
• Strong SQL/PLSQL, Linux/Unix and Shell scripting.
• Hands-on Python development/automation.
• Ability to trace transactions across APIs/services, databases, files, queues, interfaces.

Responsibilities

• Design, develop and enhance payment processing applications, services, interfaces and transaction-processing components.
• Own changes across the SDLC, from requirements and system analysis through development, unit testing, integration testing, deployment and production support.
• Understand payment flows end-to-end across Authorization, Routing/Switching, Clearing, Settlement, Reconciliation, Reversals and Chargebacks.
• Develop and troubleshoot integrations between payment platforms, banking applications, payment networks and upstream/downstream systems.
• Perform ISO 8583 message-level analysis, including MTI, bitmap, data elements and transaction mapping.
• Apply ISO 20022 knowledge to payment application changes, message transformations and interface integration.
• Diagnose complex production issues using SQL/PLSQL, Linux, application logs, ISO messages and transaction data.
• Develop Python/Shell automation for payment processing, reconciliation, monitoring and operational activities.
• Perform code reviews, impact analysis, RCA, performance analysis and technical troubleshooting.
• Mentor developers and provide technical direction for complex payment application enhancements.

Skills

Banking systems

ISO 8583

ISO 20022

SQL/PLSQL

Linux/Unix

Python automation

APIs/microservices

Control-M

Rundeck

Autosys

Splunk

Datadog

Kibana/OpenSearch

Payment networks

Tools

TranzWare / Compass Plus

Lusis GPX

Visa

Mastercard

Discover

Job description

Tata Consultancy Services (TCS) is seeking a hands-on Senior Payments Developer / Systems Analyst to build, enhance and support high-volume banking payment platforms. The role covers full SDLC ownership from requirements to production support.

You will work on payment processing applications, interfaces and transaction components, with deep exposure to ISO 8583 and ISO 20022, and strong SQL/PLSQL, Linux scripting, and Python automation.