Business Analyst with expertise in Cards

We have an urgent requirement for Business Analyst with expertise in Cards (Credit, Debit, Prepaid) and Acquiring (POS and e-commerce/payment gateways) is required for one of our banking client in Oman

Strong Experience of POS acquiring, e-commerce/payment gateways is MUST to apply for this role

Strong experience in banking domain is Must to apply for this role

Strong experience in card products (credit, debit, prepaid) is MUST to apply for this role

Strong experience in Agile Methodology is Must to apply for this role

Strong experience in payment schemes mandates, compliance requirements like PCI DSS Must to apply for this role

Strong understanding of payment ecosystems, card lifecycle management, digital banking, payment schemes mandates and regulatory compliance---Must

Bank is seeking a skilled Business Analyst with experience in Cards (Credit, Debit, Prepaid) and Acquiring (POS as well as e-commerce / payment gateway) to join Cards Agile Team.

The successful candidate will play a critical role in analyzing business needs, defining requirements, and delivering solutions for card-related products and services. This rolerequires understanding of payment ecosystems, card lifecycle management, digital banking, payment schemes mandates and regulatory compliance within the banking andfinancial services sector.

Key Responsibilities:1.] Requirement

Elicitation and Refinement: Working with stakeholders (product owners, business users, technical teams) to understand anddocument business needs relate to payment processing, card management and related systems.

• ] User Story Creation, BRD and Prioritization: Translating business requirements into clear, concise, and actionable user stories that can be understood and implemented by development team. Prioritizing these user stories based on business value and technical feasibility. Should be capable of re-assigning the priorities based on current business needs. Should also leadrequirement workshops, prepare business requirement documents (BRDs), functional specifications, and process flows.
• ] Agile Ceremonies Participation: Actively participating in Agile ceremonies such as sprint planning, daily stand-ups, sprint reviews, and retrospectives. This is a must to facilitate team alignment and communication.
• ] Product Backlog Management: To manage and refine the product backlog. To ensure that it reflects the current state of requirements and priorities.
• ] Stakeholder Communication: To facilitate communication between stakeholders and the development team, ensuring that everyone understands the requirements and the progress of the activities / user stories. Also provide regular updates on progress to Product Owner and Scrum Master.
• ] Domain Expertise: Processing a strong understanding of payment processing, card issuing and acquiring systems (credit, debit, prepaid, POS as well as e-commerce acquiring and payment gateways), 3DSecure, Fraud Management and related technologies like contactless, tokenization, etc. Should also be well-versed with Digital Banking initiatives for Cards andrelated services.
• ] Quality Assurance: Collaborating with testing team to ensure the developed product meets the defined requirements and quality standards.Support system integration and user acceptance testing (UAT) by developing test scenarios, DOD, DOR and validating functionality. Also provide post implementation reviews.
• ] Process Analysis and Improvement: Identifying opportunities to improve existing business processes related to cards issuing as well as acquiring processing and management.
• ] Documentation: Creating and maintaining documentation related to business requirements, user stories and SOPs for smooth handover of new project / CRF to operations team after go-live.
• ] Mandates Compliance: Must be updated on Payment Schemes mandates and new requirements. Should be capable of reviewing and providing supportdocuments for mandates as well as plan for delivery. Also ensure Regulatory and Compliance requirements (e.g. PCI DSS, local central bank guidelines as well Bank’s internal compliance requirements).
• ] Vendor Management: Coordination / Discussion with vendors during requirement gathering. Evaluate development proposals from vendors are as per business requirements and arrange for negotiation of vendors’ proposals.
  
  

Required Skills and Qualifications:

• Bachelor's degree in Business, Information Technology, or related field.
• 3+ years of experience as a Business Analyst, with at least 3+ years in card domain projects, preferably in a Bank or PSP
• Strong understanding of Agile methodologies: Knowledge of Scrum, Kanban or other Agile frameworks
• Experience with payment systems and card processing: Deep understanding of payment processing, card types, POS acquiring & payment gateways and related technologies. Experience in system analysis, design review and maintenance of various applications in Card and payment industry.l
• Excellent communication and interpersonal skills: Ability to effectively communicate with both technical and non-technical stakeholders (both internal and external).
• Analytical and problem-solving skills: Ability to analyze complex business problems and propose effective solutions.
• Conflict Management: Ability to resolve issues and disputes that may arise among different stakeholders as part of Agile delivery process.
• Proficiency in tools like Jira and familiarity with integration technologies (APs, ISO 8583, XML,.)
• Project Management: Experience in Agile, Scrum, or Waterfall methodologies.
• Documentation skills: Strong experience in reviewing the scope of requirements and documenting the complete requirement details.
• Ability to work in cross-functional and multicultural environments.
• Preferably looking for Omani Nationals with 3+ Years working experience with Cards Systems
  
  

Skills: pos,agile,cards