Technical Analyst - Payment (NEFT/RTGS)

Job description

Role : Technical Analyst Work Location: Jaipur Band: B2/C1 HR Designation: Manager / Senior Manager Working Days: 5.5(1,3 5 Saturday is working) Working Mode: Workfrom office Work Timings: 9:15 AM 6:15 PM Employment Type: Full-time Reporting: Lead Flexcube Role Summary We are looking for an experienced Senior Technical Consultant Payments to act as a Subject Matter Expert for National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS) systems. The role will lead the complete software development lifecycle for payment solutions, bridging business requirements and technical execution to deliver secure, scalable, compliant, and high-quality payment platforms within the Indian banking ecosystem. What Youll Do • Product Solution Design • Act as technical SME for NEFT and RTGS payment systems across the organization. • Analyze business, operational, and regulatory requirements to design secure and scalable payment solutions. • Define solution architecture leveraging modern concepts such as microservices, APIs, and cloud-ready designs. • Development Integration • Lead end-to-end development and implementation of payment solutions from requirements to deployment. • Oversee integration of payment platforms with core banking systems and internal/external payment infrastructure. • Ensure adherence to coding standards, architecture principles, and industry best practices. • Testing Quality Assurance • Coordinate and govern System Integration Testing (SIT) and User Acceptance Testing (UAT). • Conduct code reviews and ensure solutions meet functional, non-functional, and regulatory standards. • Ensure compliance with RBI guidelines and internal governance frameworks. • Support Problem Resolution • Provide expert-level production support and troubleshooting for critical payment issues. • Perform root cause analysis and implement preventive measures to minimize downtime and failures. • Documentation Stakeholder Management • Prepare and maintain technical documents, functional specifications, and architecture artifacts. • Share regular status updates, reports, and dashboards with business and technology stakeholders. Success Metrics (first 12 months) • Stable and timely delivery of NEFT and RTGS solutions with zero critical production issues. • High system availability and reduced operational incidents. • Zero high or critical audit observations from regulatory or internal audits. • Improved efficiency, scalability, and reliability of payment processing systems. Must-Have Qualifications • Minimum 6+ years of experience in the financial services or payments domain. • Mandatory hands-on experience with NEFT and RTGS systems. • Proven experience in leading and delivering large-scale or multi-year payment transformation programs. • Strong understanding of payment lifecycle and schemes including NEFT, RTGS, IMPS, UPI, and SWIFT. • Experience in solution design using microservices architecture, API integrations, and cloud adoption models. • Working knowledge of SQL, Java fundamentals, and tools such as Jira and MS Project. • Strong understanding of regulatory and compliance requirements in the Indian banking sector. Education • Bachelors Degree in Computer Science, Information Technology, Engineering, or a related discipline. • A postgraduate qualification is an added advantage.