Senior Business Analyst - Data Analysis, Agile Methodology

HCL Technologies Limited; United States; On-site; USD 130,000 - 190,000; Full time

Job summary

HCL Technologies Limited seeks a Senior Payment Business Analyst & Product Owner to drive modernization of global payment platforms. You will own end-to-end product lifecycle for payment processing, lead data mapping using ISO 20022 XML/JSON standards, and define granular Agile user stories for partner integrations.

You will negotiate technical agreements with networks, ensure compliance with market practice guidelines, and model end-to-end payment sequences from origination to settlement.

Qualifications

• Experience defining source-to-target mappings for ISO 20022 messages.
• Strong data dictionary and schema validation skills.
• Hands-on experience with Agile user stories and backlog management.
• Knowledge of payments lifecycle and settlement rails.

Responsibilities

• Map ISO 20022 data elements to target formats.
• Model end-to-end payment flows and exception handling.
• Define E2E diagrams and maintain backlog with stakeholders.
• Coordinate with partner integrations and market practice guidelines.

Skills

ISO 20022

Data mapping

Product Owner

Agile methodologies

Payment processing

XML/JSON

Stakeholder management

Tools

XML

JSON

XSD

UTF-8

Job description

Career Opportunities: Senior Business Analyst - Data Analysis, Agile Methodology (182670)

Requisition ID182670-Posted10/20/2026

Job Description: Senior Payment Business Analyst & Product Owner (ISO 20022 / Partner Integrations)Position Title: Payment Business Analyst / Product OwnerDomain: Global Payments, Clearing & Settlement, Core Banking Integrations

Key Responsibilities

• Core Responsibilities
• A. ISO 20022 Data Mapping & Message Specification
• Message Mapping & Translation: Define source-to-target mapping specifications (STMs) between clearing formats to ISO 20022 messages (pain.001, pain.002, pacs.008, pacs.009, pacs.004, pacs.002, camt.053, camt.054, camt.056).
• Data Dictionary & Schema Validation: Maintain schema validation rules, XSD validation definitions, truncation/enrichment logic, and character set translations (UTF-8, an others).
• Clearing & Market Infrastructure Rule Adherence: Ensure message definitions strictly comply with market practice guidelines depending on country definitions.
• B. End-to-End (E2E) Payment Flow Modeling & Architecture
• E2E Flow Diagrams: Construct comprehensive workflow, state-transition, and sequence diagrams covering the full payment lifecycle (Origination Sanctions/AML Fraud Screening Core Ledger Accounting Clearing & Settlement Rails Reconciliation & Reporting).
• Exception & Investigation Flows: Map return and recall workflows (camt.056, pacs.004, camt.029), chargebacks, repair queues, Dodd-Frank Section 1073 compliance, and non-delivery notifications.
• System Impact Analysis: Conduct functional gap analyses.

Skill Requirements

Role Purpose & Executive SummaryWe are seeking a high-caliber, results-oriented Payment Business Analyst & Product Owner to drive the modernization, design, and integration of our global enterprise payment platforms. You will hold end-to-end product ownership for payment processing capabilities— instant payments.You will lead detailed data mapping using the ISO 20022 XML/JSON standard, model End-to-End (E2E) payment sequence flows, author granular Agile user stories, negotiate technical agreements with partner systems/networks, and own the backlog through full lifecycle deployment.