42 Card Payments Jobs

Hi All, CAMSPay - specialize in addressing payment challenges faced by Mutual Funds, Insurance Providers, and Non-Banking Finance Companies. We also envision expanding our payments platform to address the pain points of related segments (capital markets, insurance-related ecosystem, brokerages ecosystem, intermediaries, etc). CAMS has been a part of the Indian Financial services segment for over two decades and has built good reputation as Registrar and Transfer Agency to the Asset Management Industry of India and as a technology enabled service solutions partner to Private Life Insurance, Private Equity Funds, Banks, Non-Banking Finance Companies. We are looking for a self-starter, motivated and experienced Product Manager to join our growing team in challenging work environment. Your role at CAMSPay will help to drive the product and improve the payment experience for our customers. The job involved as Product Manager includes as below but not limited to: Requirement gathering, documenting as complete Business Requirement Document, Designing workflow, user journey. Market research and deep dive into customer real need Work with business, technology, and marketing to lead the product rollouts Managing end to end product roadmap (Ideation to Product launch and life cycle management and backlog by communicating to all the stakeholders in the process Driving Banks/ Acquiring partnerships for win -win engagements Leveraging available data to understand the product performance and hands on experience with data management and reporting Deliver compelling product presentations, proposals and demonstrations that engages internal & external audiences Requirements 3+ years of experience in Product Management either in Fintech or Banking industry with digital payment and merchant acquiring product exposure. Strong understanding of payment aspects with proven experience on managing the product development Hands on experience on Figma, Invision and other tools will be an added advantage. Ability to work with cross-functional team and work independently in fast changing fintech industry. Master/Undergraduate degree in computer/business Interested candidate kindly share your profile to kandhimathi.s@camsonline.com any clarification reach us on 8838927122 Regards, Mathi

Department : Quality Control Location : Pune (Work from Office) Position Objective Application testing UAT and production support Responsibilities Primary API testing SQL issue troubleshooting Mobile application testing Security testing Secondary System integration testing Manual testing Additional API testing for NPCI certification (EFT, ECOM, IMPS, UPI, AEPS, BBPS) Skills & Knowledge Knowledge Requirements ISO8583 protocol (Knowledge) Database systems Unix/Linux environments (Any one) Skill Requirements QA methodologies SQL and database handling Unix/Linux command-line usage Primary Interactions External: Clients and NPCI Internal: Development and testing teams

Primary Technical Skills Strong expertise in software testing methodologies manual and automation Experience in test planning execution and reporting Proficiency in defect management and root cause analysis Excellent leadership and team management capabilities Strong communication and stakeholder engagement skills Cards domain including transaction processing and life cycle management Experience in Scheme Compliance and Scheme Certification Testing Proficiency in Groovy scripting for test automation and validation Excellent stakeholder management and communication skills Secondary Technical Skills Working knowledge of JIRA for test planning tracking and defect management Familiarity with Confluence for documentation and collaboration Exposure to other testing tools and frameworks relevant to financial services Understanding of Agile and DevOps practices in test environments Key Responsibilities and Tasks Define and lead the testing strategy for cardbased transaction systems Manage endtoend testing across the transaction life cycle ensuring compliance and performance Coordinate scheme certification efforts with payment networks and regulatory bodies Collaborate with development product and business teams to align testing goals Drive defect triage root cause analysis and resolution tracking Ensure test coverage and traceability using JIRA and Confluence Mentor QA teams and promote best practices in test design and execution Report testing progress risks and outcomes to senior stakeholders Preferred background and qualifications Bachelor or Master Degree in Computer ScienceEngineering or similar education Knowledge of BankingPayments domain Excellent communication skills Attention to detail Analytical mind and problemsolving aptitude Strong organizational skills Preferred personal qualities Service minded and takes responsibility within relevant working areas Good at communicating actively appreciating and respecting diversity in the work environment Working in a structured and analytical way Ability to adapt and react to changes

Key Responsibilities Disputes/Difference between Disputes and Fraud Transaction Monitoring: Review and analyze card transactions for potential disputes or fraudulent activity. Dispute Resolution: Investigate and resolve customer disputes related to credit/debit card charges, including chargebacks and refunds. Documentation: Compile evidence and submit response documents based on card network rules and reason codes. Compliance: Ensure adherence to Visa, Mastercard, and other card network regulations. Customer Support: Communicate with customers to understand issues and provide timely resolutions. Reporting: Maintain detailed records of disputes and generate reports on trends and resolution outcomes. Collaboration: Work with internal teams (fraud, customer service, legal) and external partners (banks, processors) to resolve cases efficiently.

Job Title: Payments-Industry Expert (Head of Product) Client Organization: Growing FinTech into Payments Domain Location: Hyderabad Position Type: Full-Time Experience : 15 -20 years Role Description The payments-industry expert shall provide visionary leadership and strategic direction to drive the success and growth of the organization within the dynamic and competitive payment domain. The proposed role aims to position the organization as an industry leader by developing and implementing innovative payment solutions, fostering strong partnerships, and ensuring compliance with regulatory standards. Key Responsibilities Develop and execute the overall product strategy, including product pricing, in alignment with the organization's business objectives. Stay abreast of industry trends and events, emerging technologies, and regulatory changes to inform and adjust the organization's product roadmap and ensure the organization is at the forefront of payment offerings and always responsive to market demands. Rapidly generate new product ideas and technology initiatives that differentiate the organizations offerings from competitors. Be a primary engagement point for fintech companies with products or solutions potentially well-suited for partnership with the organization. Contribute strategic discussions with business partners and prospects, focusing on bridging gaps between the needs and expectations of a client/prospect and the capabilities and offerings of the organization. Be intensely involved in business development, strategic partner initiatives, and potential acquisitions. Contribute meaningfully to marketing strategies to increase industry awareness of the organization's new and differentiating capabilities. Assist in recruiting and managing a team of payment professionals supporting our market initiatives. Preferred skills and qualifications Masters degree in business administration, banking, finance, information systems, marketing, or related field. Possess extensive knowledge of payment systems, market pricing, technologies, and industry best practices. Over 15 years of experience in the payment industry, demonstrating a consistent record of leadership and accomplishment. Exhibit exceptional analytical and strategic thinking abilities, capable of converting insights into practical and effective plans. Display excellent communication and people skills.

Job Title: Business Analyst Payments / Cards Domain Location: Baner, Pune (5 Days Work from Office) Experience: 5 to 20 yrs Education: Masters Degree (Bac +5 or equivalent) Interview Process: At least 1 Face-to-Face Round is Mandatory Job Overview: We are looking for a skilled Functional Analyst to join our HPS implementation team. You will play a key role in understanding client needs, writing functional specifications, and ensuring successful solution delivery in the payments domain (especially Issuing). Key Responsibilities: Understand client requirements and convert them into detailed functional specifications. Work closely with development teams to ensure correct implementation. Provide domain expertise in Issuing (Mandatory), Acquiring/Switch (Good to have). Analyze current payment processes and recommend improvements. Draft documentation including functional specs, user manuals, and process guides. Help prepare training material and conduct client training. Support pre-sales activities like demos and Proof of Concept (PoC) creation. Assist clients with functional and technical queries.

Role & responsibilities: Owning chargebacks and representing cases end-to-end from informing the merchant, to gathering evidence, and disputing the chargeback through to resolution. Acting as the go-to person, coaching and educating small business owners on the dispute lifecycle. Identify proactive opportunities for the business to protect themselves against future disputes. Understanding the differences between card networks and being comfortable explaining them to customers. Juggling multiple priorities, shifting between support activities (like communicating with business owners via email/phone), building chargeback cases from the ground up, all while meeting operational deadlines. Analyzing and understanding insights into cases and interpreting those outcomes into ways to improve chargeback efficiency and reduce collections. Required Skills: 1- 2 years of related work experience. Extensive knowledge and experience with e-commerce card payments and ACH payments, ideally both in Canada and the United States. Solid experience handling chargebacks and dispute resolution, whether on the merchant or issuer side. Good understanding of Payment Card Network chargeback rules and regulations. Good understanding of NACHA and Payments Canada rules and regulations. Understanding of full credit card chargeback dispute life cycles. Excellent customer service, relations and/or vendor management skills Strong analytical and problem-solving skills.

Responsibilities: Ensuring the reliability, performance, and security of Connex-related systems, particularly in financial services and payments. Responsibilities include developing, maintaining, and executing test scripts, performing usability testing, and providing internal quality assurance. Connex testing team to support the massive Connex to ACI migration ACI testing at this stage as they move to production for R1, The proposition is that we will build a team that tests old vs new.

About the Role We are seeking a seasoned Solution Architect with deep expertise in card-based systems to lead the design and delivery of scalable, secure, and high-performance solutions across issuing, acquiring, transaction routing, and settlement domains. This is a strategic role that bridges business needs with technical execution, ensuring alignment with compliance standards such as PCI DSS . Key Responsibilities Lead end-to-end solution architecture for card systems including issuing, acquiring, clearing, and settlement. Design scalable, high-availability systems aligned with business goals and regulatory requirements. Collaborate with cross-functional stakeholders to translate business requirements into robust technical solutions. Evaluate and integrate third-party platforms, APIs, and tools within the cards ecosystem. Guide development teams on architecture best practices, technology stack selection, and integration strategies. Ensure adherence to architectural governance, documentation standards, and security protocols. Required Skills & Experience 8+ years of IT experience, with at least 3 years as a Solution Architect in the cards/payments domain . Strong understanding of the card transaction lifecycle issuing, acquiring, clearing, and settlement. Hands-on experience with Card Management Systems (CMS) such as TSYS, VisionPLUS, FIS, or Way4 . Familiarity with EMV standards , PCI compliance , 3DS , tokenization , and fraud detection frameworks . Proficiency in integration technologies: REST/SOAP APIs , ISO 8583 , MQ , Kafka , and message queues. Exposure to cloud platforms (AWS, Azure, GCP) and microservices architecture . Excellent communication, stakeholder management, and presentation skills. Why Join Us? Work on mission-critical payment systems that impact millions of users. Collaborate with a high-performing team of architects and engineers. Opportunity to shape the future of digital payments and financial technology.

Domain Knowledge Experience of 3 to 6 years with top-tier consulting firms or leading banks in the payments business (issuing/acquiring), Payment Networks or FinTech, with an MBA and an undergraduate degree from a top-tier institution Prior experience in payments or consulting with a deep understanding of the dynamic Indian payments market is a must Skills Understanding of card portfolio and campaign management Experience of executing end-to-end campaign management for card payment product across customer lifecycle - activation, spends, retention, cross-sell and others Monitoring of campaign performance, effectiveness, impact and feedback Experience of working in dynamic environment with cross-functional teams to deliver client objectives and priorities Develop solutions to aid revenue enhancement and cost optimization Excellent oral and written communication skills Good leadership qualities Client relationship management and account management skills. Experience in handling mid to large-size accounts Multi-tasking and time management skills Sharp focus on quality delivery Ability to develop/ customize solutions relevant to client Problem solving, data and financial analysis Advanced knowledge of MS Excel, Word, Power Point Other Willingness to travel for extended periods Flexible to adopt to a demanding lifestyle Able to thrive in relatively unstructured situations High initiative and drive, positive attitude, and high commitment Maturity and ability to handle pressure Client service delivery/execution Lead role in execution of projects (project delivery), at times for multiple clients. Assume independent responsibility for smaller clients. Manage client personnel. Lead and coordinate the planning and management of assignments, with guidance from the Partner/Manager. Knowledge Management Strong contribution to knowledge sharing efforts; reviews and continually improves processes so that the team and firm capture and leverage knowledge. Business Development Actively support business development efforts, including proposal preparation. Create and manage good independent relationships with clients. Build broad networks within the firm, both locally and internationally. Demonstrate industry/solution expertise. People Management Be a strong team player. Build a strong team and be a role model, mentor, and coach. Assist in resolving people issues. Assist in recruiting activities. Location: Guragon

Group: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Role As a Product Manager for Card Acquiring , you will be responsible for building and scaling card-based payment products for our vast network of offline and online merchants. You will work closely with banks, networks (Visa, Mastercard, Rupay, American Express), and internal teams to deliver high-performance card processing solutions. You will be the voice of the merchant and the architect of high-SR, low-latency, and regulation-compliant card payment infrastructure. Ke y Responsibilities:- Own the end-to-end lifecycle of card acquiring products – from strategy and roadmap to execution and post-launch performance. Define product features and enhancements focused on card payment acceptance across POS, online, and in-app channels. Integrate and manage partnerships with issuer and acquirer banks, card networks, and processors. Monitor and drive improvements in key metrics such as transaction success rate (SR), latency, authorization rates, fraud, and chargebacks. Lead initiatives related to card tokenization, contactless/NFC enablement, recurring payments (SI on cards), and international acceptance. Collaborate with engineering, design, risk, legal, and compliance to ensure scalable and compliant rollout of features. Track RBI regulations, network advisories, and ensure product readiness and compliance. Work with sales and operations teams to enable adoption and resolution of merchant issues. What You’ll Need 4–8 years of product management experience, with at least 2 years in card payments, acquiring, or processing. Strong understanding of card acquiring infrastructure, transaction lifecycle, settlement, MDR, and risk/fraud handling. Experience in working with card networks (Visa, Mastercard, Rupay), acquiring banks, or payment processors. Data-driven decision-making with hands-on experience in SQL, Excel, or dashboarding tools. Excellent stakeholder management, cross-functional collaboration, and problem-solving skills. Familiarity with RBI and PCI-DSS compliance standards is a plus. Why Join Us Be a key player in shaping the card payments experience for millions of Indian merchants. Solve for scaleHandle transaction volumes at one of the largest payment processors in India. Work with some of the most talented teams across product, engineering, and design. Join a fast-paced, impact-driven environment with a focus on innovation, ownership, and excellence. Compensation If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 17 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!

Job Title: Payment POS Application Developer Location: Mumbai / Trivandrum Employment Type: Full-time Experience: 3+ years in software development Job Summary: Develop and maintain POS payment applications across all stages, including design, development, testing, and deployment. Lead certification processes for major card schemes (Visa, MasterCard, Rupay, etc.) on POS/embedded terminals. Provide technical support, SDK guidance, and collaborate with customers and marketing teams to deliver tailored payment solutions. Shape Key Responsibilities: Work on all stages of POS payment application development such as requirement analysis, design, development, test, deployment and maintenance. Conduct the acquiring certifications of the payment application on the POS/Embedded terminals to support card payment through Visa, Master, Amex, JCB, UPI, Discover and Rupay Credit/Debit chip cards. Work efficiently at debugging and resolving production issues. Provide proactive technical support to customers on their application development using SDK and provide on-site training if necessary. Cooperate with marketing personnel to collect and understand business needs from customers, present payment solutions and help develop the business. Shape Required Skills & Qualifications: 1. Bachelor degree or above, 3+ years or more of experience in POS application software development. 2. Expertise in C/C++ language programming, Linux architecture and basic Linux shell commands. 3. Knowledge of network communication, TCP/SSL/HTTP/HTTPS/sockets etc. 4. Knowledge of using third-party libraries, OpenSSL/cURL/cJSON/SQLite etc. 5. Possessing good knowledge of payment domain, ISO 8583 protocol, EMV contact & contactless specifications, common cryptographic algorithms, key management etc is preferred. 6. Hands-on experience in developing and integrating NCMC-compliant payment solutions for transit systems 7. Good English skills, proficient in listening, speaking, reading and writing. Proficient in using Office related software. 8. Have a high sense of responsibility, excellent execution, good communication and collaboration capabilities with teamwork capabilities. 9. Ability to work under pressure, open to business trips nation-wide and world-wide.

Job description Role: Manual Test Engineer Required Experience: 1+ 2+ years Location: Chennai Package: 5 LPA to 6LPA CTC max Notice period: Only Immediate Joiners Skill Set: Functional testing skill and Insurance Domain

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

Job description Application Support/Java Support: ( 1 to 3 years of relevant experience) Grade: M1 Location: Navi Mumbai (Belapur) Roles and Responsibilities: SQL Queries, Linux/Unix Experience, Prior knowledge of Banking IT Products and Services. Preferably in Cards or Payments domain. Able to prepare reports in Excel/word. Able to extend work hours when necessary while managing critical issues. Skills Exp: 1 to 3 yrs Notice Period: Immediate to 30 days (Mandatory) Job Location: Navi Mumbai (Belapur) Male candidates only Flexible with shifts Work from Office 6 Days Work (24*7) BE, B.Tech/B.Sc - Computer Science, IT Graduate, MSC, MCA

JD: Experience: 2.5-7 Yr Location: Bangalore / Chennai We are looking for a skilled QA Manual Or Automation experience in payments systems and SWIFT messaging to join our quality assurance team. The candidate will be responsible for designing, developing, and executing test plans to ensure the quality and reliability of payment processing applications, including SWIFT transaction workflows. Key Responsibilities: Develop and execute detailed manual test cases for payment systems, covering end-to-end transaction flows including SWIFT messages (MT/MX formats). Design, develop, and maintain automated test scripts using tools like Selenium, UFT, or similar frameworks. Perform functional, regression, integration, and UAT testing on payment and SWIFT-related modules. Validate SWIFT message processing, including message formats, validation rules, and transaction statuses. Collaborate closely with business analysts, developers, and product owners to understand requirements and translate them into test scenarios. Identify, document, and track defects using tools such as JIRA, Bugzilla, or similar. Ensure compliance with industry standards and regulatory requirements within payment workflows. Participate in review meetings, provide testing status updates, and contribute to continuous improvement initiatives. Assist in testing payment interfaces with core banking, clearing houses, and other financial networks. Conduct root cause analysis on defects related to payments and SWIFT transactions. Requirements: Bachelors degree in Computer Science, Information Technology, or a related field. 3–8 years of experience in QA testing, with a focus on payments systems and SWIFT transactions. Hands-on experience with manual testing and test automation tools. Understanding of SWIFT messaging standards (MT and MX formats) and payment processing lifecycle. Experience testing APIs, batch processing, and integration points. Knowledge of banking payment systems such as RTGS, ACH, SEPA, or similar is a plus. Familiarity with test management and defect tracking tools like JIRA, Quality Center, etc. Excellent analytical, problem-solving, and communication skills. Ability to work effectively in Agile/Scrum teams.