Technical Analyst - Payment (NEFT/RTGS)

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:   Work from 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 You’ll 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

• Bachelor’s Degree in Computer Science, Information Technology, Engineering, or a related discipline.
• A postgraduate qualification is an added advantage.