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Title:  Cards and Merchant Business Analyst

Requisition ID:  37207
City:  Bengaluru
Country/Region:  IN
Wipro Limited (NYSE: WIT, BSE: 507685, NSE: WIPRO) is a leading technology services and consulting company focused on building innovative solutions that address clients’ most complex digital transformation needs. Leveraging our holistic portfolio of capabilities in consulting, design, engineering, and operations, we help clients realize their boldest ambitions and build future-ready, sustainable businesses. With over 230,000 employees and business partners across 65 countries, we deliver on the promise of helping our customers, colleagues, and communities thrive in an ever-changing world. For additional information, visit us at www.wipro.com.

Job Description

•    Knowledge of Cards Issuing, Cards Management and Servicing, Merchant Acquiring Systems, Merchant Payment Gateway and/or the end-to-end cards processing from merchant / POS stand point
•    Ability to understand cards and merchant business process and requirements and translate into a functional requirement across a wide array of products and technologies.
•    Well versed with Transaction Authorization, Submission, Settlement, Reconciliation, Dispute and Chargeback
•    Strong knowledge of ISO8583 messages
•    Strong knowledge of EMV data processing – Request and Response Cryptogram
•    Strong hold on Credit Card, Prepaid Cards processing 
•    To undertake business analyst roles covering SDLC phases (requirements, specifications, test cases, and implementation) using AGILE methodology of delivery 
•    Document and maintain EPICs, Use Stories, Functional Design, and System Specification
•    Liaising with business teams, colleagues, third party vendor(s) & partner systems to formulate detailed requirements.
•    Interpreting user requirements and produce detailed documentation (including processes) to be used to communicate to technical and test teams
•    Producing high-level and detailed impact assessments to inform estimated effort for work packages
•    Writing, analyzing & reviewing high level test scenarios
•    Involvement in analysis & investigation of Production defects and Testing issues raised during project life cycle
•    Ability to walk-through Business Operations team the detailed requirements and the technical design to showcase the solution
•    Required to encourage best practices in the development of solutions and ensure delivery of qualitative and cost-efficient system solutions  
•    Expected to carry out knowledge sharing, and training activities where required

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Key Skills:

•    15+ years of Issuing and Acquiring experience, having worked in Tier-1 IT organizations in BFSI domain for large cards ecosystem system implementation projects, EMV, payments gateway projects
•    Good understanding of the Cards systems and e2e flows for origination, underwriting, cards application processing, issuance, account management, disputes and chargeback, cards servicing etc.
•    Good understanding of the merchant systems and e2e flows for authorization, refund, stand-in, cancellation, partial approval etc.
•    Sound of understanding of payment formats such as ISO8583
•    Product Skills – V+, ACI Acquirer Management System, Fiserv would be preferred 
•    Ability to drive RFPs, provide solution, host practice initiatives, demonstrate practice credential during customer visits
•    Excellent communication skills with ability to lead domain discussions independently.
•    Proven ability to work with senior stakeholders and business sponsors and gain consensus and agreement

Reinvent your world.¿We are building a modern Wipro. We are an end-to-end digital transformation partner with the boldest ambitions. To realize them, we need people inspired by reinvention. Of yourself, your career, and your skills. We want to see the constant evolution of our business and our industry. It has always been in our DNA - as the world around us changes, so do we. Join a business powered by purpose and a place that empowers you to design your own reinvention. Come to Wipro. Realize your ambitions. Applications from people with disabilities are explicitly welcome.

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We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, caste, creed, religion, gender, marital status, age, ethnic and national origin, gender identity, gender expression, sexual orientation, political orientation, disability status, protected veteran status, or any other characteristic protected by law.

Wipro is committed to creating an accessible, supportive, and inclusive workplace. Reasonable accommodation will be provided to all applicants including persons with disabilities, throughout the recruitment and selection process. Accommodations must be communicated in advance of the application, where possible, and will be reviewed on an individual basis. Wipro provides equal opportunities to all and values diversity.