PO and Payments Domain Business Analyst

Tata Consultancy Services; Jersey City (NJ); On-site; USD 90,000 - 130,000; Full time

Job summary

Tata Consultancy Services is seeking a Payments Business Analyst with deep domain expertise across payments processing, clearing & settlement, and digital payments ecosystems. You will bridge business stakeholders and technology teams to drive requirements, solution design, and delivery across payment platforms.

The role emphasizes working across wire payments, ACH/SEPA, RTP, and card/merchant payments, while understanding the end-to-end lifecycle from initiation to settlement and

Qualifications

• Strong experience with payments domain.
• Ability to gather and document business requirements for payments initiatives.
• Translate business needs into clear functional specs and user stories.

Responsibilities

• Gather, analyze, and document business requirements for payments initiatives.
• Translate requirements into clear functional specifications and user stories.
• Conduct gap analysis between existing and proposed payment systems.
• Create BRDs, FRDs, use cases, process flows, and functional specs.

Skills

Payments domain

Business analysis

Requirements gathering

BRD FRD docs

Payment lifecycle

SWIFT/ISO20022

Job description

Job Description

Payments Business Analyst

We are seeking a Payments Business Analyst with deep domain expertise across payments processing, clearing & settlement, and digital payments ecosystems. The candidate will act as a bridge between business stakeholders and technology teams, driving requirements, solution design, and delivery across payment platforms.

Must Have Technical/Functional Skills

• Business & Functional Analysis
• Gather, analyze, and document business requirements for payments initiatives
• Translate business needs into clear functional specifications and user stories
• Conduct gap analysis between existing and proposed payment systems
• Create BRDs, FRDs, use cases, process flows, and functional specs
• Payments Domain Expertise
• Work across key payments areas:
• Wire Payments (SWIFT, Fedwire, CHAPS)
• ACH / SEPA
• Real-Time Payments (RTP) / Faster Payments
• Cards & Merchant Payments
• Understand end-to-end payment lifecycle:
• Initiation - Validation - Clearing - Settlement - Reconciliation

Domain Skills

• Strong experience in Payments (mandatory)
• Knowledge of:
• ISO 20022
• SWIFT messaging (MT/MX)
• Payment hubs / core banking systems

Salary Range- $90,000-$130,000 a year