About the position
Senior Payment Specialist – Techno-Functional
We are looking for a highly skilled Senior Payment Specialist (Techno-Functional) to join our digital banking and payments team. This role is ideal for someone who can bridge the gap between business needs and technical execution – with strong domain expertise in payments and core banking, combined with hands-on technical capabilities.
Key Responsibilities
· Lead the design, development, and integration of payment solutions across core banking systems and third-party platforms.
· Conduct business requirement analysis, map current vs. target states, and define clear techno-functional documentation.
· Collaborate with development teams on API and microservices architecture to ensure high performance, scalability, and compliance.
· Oversee the implementation and configuration of SWIFT, ISO 20022, and other payment protocols.
· Ensure adherence to country-specific regulations and compliance in all payment flows.
· Act as a subject matter expert for functional queries while also providing technical direction on implementation and integration.
· Drive continuous improvement in payment automation, STP rates, and system performance.
· Support end-to-end testing, UAT, and deployment across all environments.
Must-Have Skills & Experience
· Deep understanding of Core Banking fundamentals and architecture.
· Expert knowledge of Payments domain, including:
o SWIFT, ISO 20022, TCIB, and Cross-Border Payments
o CMA regulations and country-specific compliance
o Full payment lifecycle, STP/Non-STP flows, and various payment types
· Strong hands-on experience with payment system integrations, particularly with SWIFT/ISO gateways.
· High-level technical expertise in:
o APIs and Microservices architecture
o Java, SQL, Oracle/SQL Server
o Unix/Linux scripting
· Proven ability to understand customer business requirements, perform GAP analysis, and deliver clear techno-functional specifications.
· Experience working in agile, cross-functional teams and managing complex deliverables.
Good-to-Have Skills
· Functional knowledge of Treasury products such as:
o Foreign Exchange (FX), Money Markets (MM), Fixed Income
· Experience with real-time payment systems, compliance platforms, or digital banking transformations.
· Familiarity with DevOps, CI/CD, or cloud-native deployments.
Ready to drive real impact in digital payments? We want to hear from you.
Desired Skills:
- Java
- SQL
- Money market
- Foreign exchange
Desired Qualification Level:
- Degree
About The Employer:
