1,588 Payment jobs in India

Job Title:
Lead Developer - Payment Integration Services

Location:
(Mumbai, Kochi) Position Type:
Full-Time

Company Overview

We are an established software services company embarking on a strategic initiative to build a center of excellence for payment technology. Our new venture focuses on developing, implementing, and debugging sophisticated payment integrations for leading banks. We are at the forefront of enabling seamless and secure financial transactions, and we are looking for a passionate leader to drive this critical function.

Role Summary

We are seeking an experienced and highly skilled Lead Developer to spearhead our payment integration projects. The ideal candidate will be a hands-on technical leader with 7-8 years of experience in the financial services and/or payments domain. You will be responsible for leading a team of talented engineers in designing, developing, and maintaining robust and secure payment solutions that connect banks to global payment networks.

This role requires a unique blend of deep technical expertise in modern programming languages, profound domain knowledge of payment systems (especially ISO 8583), and proven leadership capabilities to navigate the complexities of a banking environment.

Key Responsibilities

• Technical Leadership & Architecture:
  Lead the architectural design and development of high-quality, scalable, and secure payment gateway solutions and API integrations.
• Development & Implementation:
  Actively participate in coding, code reviews, and debugging of complex payment integration solutions using Java, .NET, or Node.Js.
• Project Delivery:
  Drive projects from conception to completion, ensuring they meet client requirements, industry standards, and are delivered on time.
• Team Mentorship:
  Mentor, guide, and develop a team of software engineers, fostering a culture of technical excellence, innovation, and collaboration.
• Stakeholder Collaboration:
  Serve as the primary technical point of contact for banking clients, payment providers, and internal business teams to ensure alignment and clear communication.
• Quality & Security Assurance:
  Enforce rigorous testing standards and secure coding practices to ensure the reliability, performance, and compliance of all payment solutions.
• Problem Solving:
  Troubleshoot and resolve complex, mission-critical issues in payment processing flows, often in high-pressure situations.

Required Skills and Qualifications

Essential Domain Expertise in Payments (Mandatory)

A deep and practical understanding of the payments ecosystem is the most critical requirement for this role.

• ISO 8583 Protocol:
  Expert-level, hands-on knowledge of the ISO 8583 messaging standard is non-negotiable. This must include:
  
• Extensive experience in parsing, constructing, and manipulating ISO 8583 messages.
• Deep understanding of Message Type Indicators (MTIs), Processing Codes, Data Elements, and Bitmaps.
• Experience with various regional and network-specific dialects of ISO 8583.
• Card Network Operations (Mastercard/Visa):
  Comprehensive knowledge of the end-to-end transaction lifecycle, including:
  
• Authorization, clearing, and settlement processes.
• Network message specifications and transaction flows for both credit and debit.
• Experience with network certification processes and test simulators.
• Security & Compliance:
  Profound understanding of payment security standards and practices.
• PCI DSS:
  In-depth knowledge of Payment Card Industry Data Security Standard requirements and their implementation in software architecture.
• Expertise in data encryption, tokenization, and secure management of sensitive cardholder data.
• EMV & Card Technologies:
  Solid understanding of EMV standards for both contact and contactless (NFC) transactions, including knowledge of EMV data tags and transaction flows.

Technical Skills

• Programming Languages:
  7+ years of hands-on development experience with expertise in one or more of the following:
  
• Java:
  Spring Framework (Spring Boot, Spring Security), Hibernate/JPA, Maven/Gradle.
• .NET:
  C#, ASP.NET Core, Entity Framework.
• Node.Js:
  Express.Js, and a strong grasp of asynchronous programming.
• API Development:
  Proven experience in designing, building, and securing RESTful APIs for financial services.
• Database Systems:
  Proficiency with relational databases (e.G., PostgreSQL, Oracle) and familiarity with NoSQL databases.
• DevOps Practices:
  Familiarity with CI/CD principles and tools (e.G., Jenkins, GitLab CI) is highly desirable.

Leadership & Professional Skills

• Proven Leadership:
  Demonstrated experience in leading a software development team, including task allocation, performance management, and technical mentorship.
• Banking Environment Experience:
  A strong understanding of the operational and security constraints of working within a bank's IT environment, including change control and risk management processes.
• Communication & Collaboration:
  Exceptional communication skills with the ability to articulate complex technical concepts to both technical and non-technical stakeholders.
• Analytical Problem-Solving:
  Superior analytical and troubleshooting skills with a passion for solving complex technical puzzles under pressure.

Educational Background

• Bachelor’s or Master’s degree in Computer Science, Information Technology, or a related engineering field.

What We Offer

• A competitive salary and benefits package.
• The opportunity to lead and build a core practice area in a growing company.
• A challenging and rewarding role working on high-impact projects with major financial institutions.
• A culture of continuous learning and professional development.

We suggest you enter details here.

This is a full-time on-site role as a Banking & Payment Gateway Executive located in Jalandhar. The executive will be responsible for managing banking transactions, payment gateways, customer service related to finance, credit, and insurance services.

• Finance and Credit skills
• Communication and Customer Service skills
• Knowledge of Insurance services
• Experience in banking and payment gateway operations
• Excellent analytical and problem-solving skills
• Bachelor's degree in Finance, Business Administration, or related field
• Relevant certification in banking or finance is a plus

Job Description for Data Scientist

Preferred Experience :
5-7 years

Work Location:
Kolkata

About RS Software

RS Software builds global, national and enterprise payment platforms, and has presence in four continents. The product suite combines with knowledge systems built over 30 years, delivering mission-critical payment solutions that combine innovation and entrepreneurship to create the new gold standard for digital payments. With approximately 40% of the global digital payment volumes in 2021 processed on platforms built by RS Software, the vision is to deliver Payments at the Speed of Thought .

RS Software is focused on the global payments modernization market, providing large-scale, high-performance payment systems, serving central Infrastructures, financial institutions, payment network providers, payment processors and software companies providing products to the payment industry. The company's product suite offers ISO 20022 ready, open payments architecture using a cloud-based microservices framework - optimizing costs, seamless integrations with commoditized products, and accelerates the pace of adoption.

The company’s solutions today are installed in 12 of the top 20 banks in India, and the four major platforms built by RS Software cumulatively process annually 350+ billion transactions world-wide, giving the company a rare track record in the payments domain. RS Software’s product suite is getting recognized in some important markets, which is creating strategic partnerships, the foundation for the company’s long-term growth.

RS Software has bult India’s digital payment infrastructure, the three major payment platforms, which are transforming the lives of a billion+ people.

• Instant digital payment platform (UPI)
• Bill payment platform - Bharat Bill Payment System (BBPS)
• Enterprise Fraud and Risk Management (EFRM)

Why RS Software?

• RS provides a unique experience of engaging in some world class product development and prestigious large scale payment platforms that caters to billions of people
• We provide opportunity to learn and develop high throughput transaction processing systems
• RS Software is one of the few technology and payment solutions providers where talented individuals have the opportunity to work on cutting-edge, complex, and mission-critical IT projects. We offer ample career opportunities to hardworking and skilled employees
• Our Talent Management Program is specifically designed to identify the interests of each employee and match them with suitable career paths within their desired domains, allowing them to make the best possible use of their skillsets in reaching their goals
• We invest in the knowledge and skill development of our employees with RS School of Payments – the industry’s most comprehensive training platform. There are three main areas of focus that the Academy and School address:
  current technology skills, professional development and payments domain knowledge
• Our customized training program, well-defined career mapping process and comprehensive appraisal system is designed to help every employee achieve their goals
• To address the challenges of relocation, we offer employees coming from other regions reimbursement for expenses associated with their moves as well as complimentary interim facilities, such as guesthouse accommodations, to ease the transition. We also assist employees with finding suitable housing

Role Overview:

We are seeking a talented and driven Data Scientist to join our team and contribute to the development of advanced analytics solutions, including fraud detection, stream analytics, and predictive modelling. The ideal candidate will have 3-5 years of hands-on experience designing and deploying machine learning models and a passion for uncovering insights from data.

In this role, you will collaborate with cross-functional teams, including engineering, product, and data science, to create and optimize data pipelines, develop innovative analytics models, and enhance our understanding of complex patterns in digital payments and beyond. Familiarity with digital payments, fraud detection, Gen AI, and real-time data processing is a strong advantage.

Key Responsibilities :

• Develop and deploy machine learning models for fraud detection, stream analytics, and predictive use cases
• Create and maintain data pipelines to support machine learning model development
• Analyse transaction data to identify patterns and deviations that indicate potential fraud
• Design and implement models to analyse and predict behaviours in the digital payments domain
• Collaborate with cross-functional teams to streamline user workflows using Generative AI (Gen AI)
• Develop a comprehensive dashboard for real-time monitoring of fraud patterns and model performance
• Enhance and maintain the model studio, enabling business users to train and deploy models autonomously
• Work on end-to-end machine learning pipelines to bring models to production, ensuring scalability and performance

Required Skills :

• Proficiency in SQL for data manipulation and understanding relational database concepts (e.G., MySQL, PostgreSQL)
• Ability to integrate and consume data using REST APIs, with familiarity in API best practices and testing
• Skilled in Python for data analysis, machine learning, and API interaction, with experience in libraries like Pandas, NumPy, and Scikit-learn
• Hands-on experience designing, developing, and deploying machine learning models for fraud detection, stream analytics or predictive use cases
• Strong proficiency in data analysis, feature engineering, and model optimization techniques
• Working knowledge of Java and SpringBoot for model integration
• Strong understanding of digital payment systems, fraud patterns, and risk analysis
• Experience working with Gen AI to improve workflows and user experiences
• Ability to work on large datasets and create scalable data pipelines
• Excellent communication skills and a proactive, problem-solving mindset
• Ability to work in a collaborative team environment and take initiative on projects

Preferred Skills :

• Exposure to fraud detection algorithms and techniques used in the digital payments industry
• Experience working with cloud technologies such as AWS. Azure, GCP is not mandatory but a plus
• Knowledge of data visualization and dashboard tools for reporting model performance

If you’re passionate about AI/ML and working on impactful real-time payment systems, we would love to hear from you!

Brickendon Consulting is an award-winning global management and technology consultancy specializing in innovative solutions and transforming complex, highly regulated environments. Founded in 2010, Brickendon has a strong focus on financial services and the public sector, helping organizations navigate and implement significant changes.

We are currently seeking a Payments Project Manager for one of our banking clients.

Work location:
India

Work setting:
Remote

Required Skills & Qualifications:

• Project Manager experience of managing milestones against each delivery lifecycle-Eg. Working on Business Case, Creating scope document, creating RACI matrix, Understanding of stakeholder layers involved to deliver the change as well as impacted by change,
• Project plan draft, Interlocks with Downstream teams, L0/L1 review, Program Increment planning or Quarterly delivery roadmap commitment governance, Baselined Project plans.
• Managing projects through tools like JIRA, monitoring/tracking, strong realistic examples on RAID management, RAG status monitoring, Reporting/Escalations, managing team dynamics and defining R&R for BA, Governance aspects-Approvals/Documentations for Audit etc.
• Managing/managed end to end delivery of Cross Border Payments products/journeys/payment rails (such as SWIFT, 3rd Party payment rail, SPEA etc.) – Retail banking context
• Managing/managed Customer channels implementation experience – Mobile Banking App and/or Browse
• Delivery management experience following Agile framework and usage of tools like JIRA/Confluence preferred
• End to end project delivery experience through all stages-Idea;
  Definition (Req refinement/Tech discovery;
  Implementation;
  Testing;
  Governance (Risk-DataVisa approvals);
  Closure

Project Description:

• The WMI Core stream provides Core Banking capabilities across WM International locations, and works towards integration and synergies across WMI locations, driving capability-driven and modular platform strategy for Core Banking.
• We are looking for a Senior Business Analyst with strong Temenos Payment Hub (TPH) domain knowledge to support end-to-end payment transformations and implementations.

Responsibilities:

• Capture and analyze business needs around payment processing, clearing, and settlement.
• Map client requirements to TPH capabilities and recommend optimal solutions.
• Define functional specifications, payment workflows, and integration touchpoints.
• Coordinate with technology teams for configuration, customization, and testing.
• Support compliance with ISO 20022, SWIFT, SEPA, and real-time payments regulations.

Mandatory Skills Description:

• 8+ years in payments/transaction banking domains.
• 4+ years of direct experience working with Temenos TPH.
• Deep understanding of payment types (RTGS, ACH, SWIFT, SEPA, etc.).
• Strong analytical, problem-solving, and communication skills.
• Knowledge of APIs and digital payment ecosystems is a plus.

Nice-to-Have Skills Description:

• Experience in Agile Framework

Peerbits venture, Digipay Guru seeking Senior Business Analyst in the Payments/Finance industry analyzes business requirements, translates them into technical solutions, and manages the delivery of projects within the payment processing domain. They work with stakeholders, conduct gap analysis, create functional specifications, and ensure the quality of solutions through testing and implementation. They also play a key role in process improvement, risk management, and compliance within the payment ecosystem.

Job Details

Designation :
Sr. Business Analyst

Location :
Onsite (Ahmedabad) / WFH / Hybrid

Key Responsibilities:

• Requirements Gathering and Analysis :
  

Elicit, analyze, and document business requirements related to payment systems, processes, and products.

• Solution Design:
  

Translate business needs into functional specifications and collaborate with technical teams to design effective solutions.

• Project Management:
  

Participate in project planning, tracking, and reporting, ensuring timely and quality delivery of projects.

• Stakeholder Management:
  

Build and maintain strong relationships with stakeholders across business and technology teams.

• Testing and Implementation:
  

Oversee user acceptance testing (UAT) and support the implementation of new systems and processes.

• Process Improvement:
  

Identify opportunities to optimize payment processes and workflows, and contribute to their improvement.

• Compliance and Risk Management:
  

Ensure that solutions adhere to relevant regulatory requirements and risk management standards.

• Documentation:
  

Create and maintain comprehensive documentation related to requirements, processes, and solutions.

• Training and Support:
  

Provide training and support to users on new systems and processes.

Required Skills and Experience:

• Payments Industry Experience:
  Deep understanding of payment systems, processes, and technologies, including experience with ISO 20022, SWIFT formats, and various payment schemes.
• Business Analysis Skills:
  Strong analytical, problem-solving, and communication skills.
• Technical Skills:
  Proficiency in SQL, data analysis, and database management.
• Project Management Skills:
  Experience with Agile and/or Waterfall methodologies.
• Stakeholder Management:
  Proven ability to build and manage relationships with diverse stakeholders.
• Knowledge of Regulatory Landscape:
  Familiarity with relevant regulations and compliance requirements in the payment industry.

Example of a Specific Role where the Business Analyst might work on projects related to:

• Payment Gateway Integrations:
  

Analyzing requirements, designing solutions, and managing the implementation of new payment gateways.

• Real-time Payments:
  

Facilitating the adoption of real-time payment solutions and ensuring compliance with relevant standards.

• Fraud Prevention and Detection:
  

Analyzing transaction data, identifying potential fraud patterns, and implementing solutions to mitigate risks.

• Compliance with Regulations:
  

Ensuring that payment systems and processes adhere to regulations like GDPR, PSD2, etc.

Academic Requirements (Any one mandatory)

• Masters of Business Administration
• Degree in Computer Science, Engineering or equivalent preferred

Job Requirements

• Proven experience of at least 5 Years as a Business Analyst in the Payment/Fintech Industry
• Ready to travel internationally
• Passport essential
• Excellent communication skills, with an ability to translate data into actionable insights
• Experience in generating process documentation and reports
• Proficiency in MS Office (MS Word, Excel, PowerPoint)
• Ability to prepare wireframes, prototypes, and use-case diagrams
• Effective communication and leadership skills
• Excellent problem-solving and analytical skills

Desirable Skills

• Proactive & Positive Attitude
• Time Management
• Multitasking
• Basic SQL Knowledge

Behavioral Characteristics

• Inspire, high energy, passionate, motivate others, and engage their commitment
• Collaborative approach for Team Building
• Cooperative, collaborative decision-making
• Extroverted, warm, enthusiastic, empathetic
• Go getter & sense of business acquisition
• Leadership based on ability to motivate others
• Personal Accountability

About the Role:

We are seeking a highly skilled Senior L2 Ops Engineer to join our dynamic team. You will play a critical role in maintaining the stability, performance, and reliability of our systems through robust observability practices, incident response readiness, and a commitment to operational excellence.

This role focuses on payment solutions and requires hands-on experience with platforms like Fiserv Enterprise Payments Platform, ACI Universal Payments (UP) Framework, SWIFT, and Message Translation Service (MTS). A strong foundation in the BFSI Payments Domain is essential.

Key Responsibilities:

• Act as a subject matter expert in system recovery processes, ensuring rapid resolution and minimal business impact using technologies such as Java, AWS Cloud Platform/Infra, API Engineering, Mainframe, and observability tools.
• Design, implement, and maintain monitoring, alerting, and logging solutions using observability tools such as Datadog and Splunk, with automation/custom integration support via Python scripting.
• Proactively identify risks and implement preventive measures to ensure system stability across distributed and cloud-native environments.
• Leverage domain expertise in payment protocols (SWIFT, MTS, ACH), standards like ISO 20022, and regulatory frameworks including SEPA and PCI-DSS.
• Improve incident response workflows, lead critical incident triage, and drive blameless postmortems. Keep documentation current and actionable.
• Analyze recurring issues, perform deep-dive investigations, and collaborate across teams to implement long-term fixes and resiliency strategies.
• Develop automation scripts (Python, Bash, PowerShell) for routine tasks, system health checks, and self-healing mechanisms to reduce manual intervention.
• Work closely with Engineering, DevOps, and Business stakeholders to align operations with business goals and coordinate production readiness for deployments.
• Exposure to tools like Istio and Launch Darkly to support traffic management and controlled feature rollouts.
• Participate in release planning and coordination, pre/post-deployment validations, and production cutover support.

Required Qualifications:

• Bachelor’s degree in Computer Science, IT, or a related field.
• 7+ years of experience in L2 operations, incident management, and system recovery.
• Deep knowledge of the Enterprise Payments Platform (EPP) and modern payment processing protocols.
• Experience with payment gateways, fintech APIs, and ISO 8583/ISO 20022.
• Proficiency in Java, AWS Cloud Platform/Infra, API Engineering, and Mainframe systems.
• Advanced experience with observability tooling (Datadog, Splunk) and Python scripting for integrations and automation.
• Strong Linux/Unix systems knowledge and understanding of cloud environments (AWS, Azure, or GCP).
• Familiarity with CI/CD pipelines, Docker, Kubernetes, and ITSM tools.
• Experience with SQL/NoSQL database monitoring and troubleshooting.
• Understanding of distributed systems and microservices architectures.
• Excellent problem-solving skills and ability to perform under pressure.

Preferred Qualifications:

• Experience developing or troubleshooting APIs using Spring Boot.
• Familiarity with service meshes (Istio) and feature flagging tools (LaunchDarkly).
• Exposure to secrets management tools like Vault or Consul.
• Prior experience in highly regulated environments with a focus on compliance (e.G., PCI-DSS).
• Strong documentation and communication skills.

The Opportunity.

We are seeking a Functional Consultant – Temenos with deep expertise in T24, specifically in payments and the Temenos Payment Hub (TPH). The ideal candidate brings at least 10 years of experience in banking environments, with a solid grasp of SWIFT and user management. A strong technical background in Temenos T24 is a valuable asset.

The Expertise.

• At least 10 years of payment experience in T24 in functional area of payment.
• Looking for experience in TPH (Temenos Payment Hub)
• Solid user management skills and understand payment and SWIFT in the banking environment
• A good technical background in Temenos T24 will be advantage

About us.

Thakral One is a consulting and technology services company headquartered in Singapore, with a pan-Asian presence. We focus primarily around technology-driven consulting, adoption of value-added bespoke solutions, enabling enhanced decision support through data analytics, and embracing possibilities in the cloud. We are heavily inclined towards building capabilities collaboratively with clients and believe strongly in improving grounded and practical outcomes. This approach is possible through our partnership with leading global technology providers and internal R&D teams. Our clients come from Financial Services, Banking, Telco, Government, Healthcare, and Consumer-oriented organisations.

1. POSITION DESCRIPTION

JOB TITLE

National Manager Electronic Payment & Deliverable

GRADE

SVP

DEPARTMENT

Alliance & Electronic Payment

LOCATION

HO

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

Head – Alliance & Electronic Payment

REPORTING INTO

1. Manager Electronic Payment

2. Manager Deliverable

3. Specialist – Field ATM

1. ROLE PURPOSE & OBJECTIVE
2. Digital Payments:
   Channels (Including ATM, POS, Cards & Money Mitra) exists to provide the most convenient channel for transaction. 75%+ of the transaction route through these channels. These channels also enable the Bank to spread its footprints to various geographies making one of the most cost -efficient channels for Banking transactions
3. Will be custodian of all process & SOPs at the Bank level and will drive towards continuous improvements

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Design, Develop & Deploy the business Strategy Supporting the business with drawing of clear expectation of the business segments
• Build & develop commercial and Strategic relationship with our key targeted partners
• The Process Excellence team optimizes processes, as needed, and instills a culture of continuous improvement throughout the year
• Role will foster a culture of sustainable change through the creation and embedding of continuous improvement methodologies, implement the supporting framework, to deliver business transformation
• Develop & Implement a “best in Class” continuous strategy to enhance the process Excellence function by defining strategy and governance, tools and methodology to build on executive engagement
• Design appropriate metrics for reporting on key performance and quality indicators, particularly in terms of in-depth trend analysis
• Identify, plan and implement multiple projects, studying ways to make improvements to one or many steps to increase productivity
• Manage end to end concerned payment vertical for the bank and bring functional & technical expertise
• Cards Designing & certification
• Cards Deliverables
• Customer deliverables & fulfillment
• Oversight of Transaction & NFS Reconciliation relating to POS, Cards,NFS and Money Mitra
• Driving Branches for Adhaar enrolments
• Enhancing curent & futuristic services/Product to meet evolving customer needs,
• Efficiency enhancement through analysis of the concerned Channels and customer behavior
• Coordinating with each department for forming the unit charter
• Monitoring Customer complaints relating to Switch & Concerned Channels (ATM, ACR,Cards,POS and Money Mitra)
• Managing the utilization and maintenance of channels with high uptime

Customer (Both Internal & External)

Internal

1. Department Heads & Cross Functional Team

• Business Needs & Customer Expectations
• For customer complaint resolutions, system uptime maintenance and maintaining higher service index

External

1. Vendors and other Service Providers

• Laisoning with external vendors and other service providers like NPCI to ensure smooth functioning of channels services
• UIDAI for smooth functioning of Adhaar enrolments

Internal Process

• Compliance to SLA/Policies/Processes
• Process Management/ Process Excellence
• Responsible to meet all compliant related guidelines and ensuring to manage it seamlessly
• Monitor timely and accurate submission of regulatory reports
• 'Regular interaction with the internal stakeholders like contro, Business and support functions
• Developing Trackers & Dashboards for stakeholders for process enhancement related to key business drivers
• Service Index monitoring and analysis - Benchmarking with tolerable limits and allowed regulatory limits for service uptime and downtime
• Keep all the SOP’s and Manuals Updated
• Update the SOPs and Manuals whenever there is a change in process.
• Present process changes in front of PrAc /PAC committee and gather the approval.
• Recommendation on the workflow improvements based on RCA findings
• Design appropriate metrics for reporting on key performance and quality indicators, particularly in terms of in-depth trend analysis

Innovation & Learning

• People Management
• 'Submit Weekly, Monthly and Quarterly updates to required stakeholders and top management
• Respond to Adhoc data requests or analysis requests
• Conduct trend analysis and other studies to derive meaningful insights
• Participates in development of training and coaching routines to ensure team has necessary skill sets in evolving atmosphere

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

M.B.A or equivalent

Experience

15-21 Yrs

Certifications

• If required

Functional Skills

• Project Management Skills
• Ability to understand business and customer requirement
• Understanding and interpret data
• Vendor Management
• Business Acumen
• Service Quality
• Ability to analysis
• Design Thinking
• Strategic Thinking