Payments and Cards Testing Consultant

As a Senior Consultant specializing in DTA payments and cards, you will play a pivotal role in shaping next generation payment solutions for global financial institutions. You will work closely with business, technology, and operations teams to design and optimize payment flows using Global Pay Plus and SEPA frameworks, ensuring secure, compliant, and high performance transaction processing. This role offers the opportunity to influence strategic decisions, lead complex implementations, and mentor junior team members while staying at the forefront of digital payments innovation. If you enjoy solving intricate payment challenges, translating regulatory and business needs into robust technical solutions, and collaborating in a dynamic, cross functional environment, this position will give you both impact and growth. Your expertise will help clients modernize their payment landscapes, enhance customer experience, and drive operational excellence across domestic and cross border payment ecosystems.

Responsibilities

• Lead end to end consulting engagements on DTA payments and card processing using Global Pay Plus and SEPA standards.
• Analyze client payment ecosystems, identify gaps, and define target state architectures and roadmaps for payments modernization.
• Design and configure Global Pay Plus modules for SEPA credit transfers, direct debits, and related payment schemes, ensuring compliance and performance.
• Translate business and regulatory requirements into detailed functional and technical specifications, including XML based payment messages.
• Collaborate with engineering teams to integrate payment solutions with core banking, card systems, and external payment networks.
• Conduct impact analysis, solution design reviews, and walkthroughs with stakeholders across business, technology, and operations.
• Support testing strategy (SIT, UAT, regression) by defining test scenarios, validating XML message structures, and troubleshooting defects.
• Provide subject matter expertise on SEPA rules, cut off times, settlement cycles, and exception handling for high volume payment processing.
• Guide clients on best practices for payment operations, straight through processing, and risk and compliance controls in the payments and cards domain.
• Mentor junior consultants, share domain knowledge, and contribute to internal accelerators, templates, and knowledge repositories.

Technical requirements

Minimum Qualifications:

• Graduation in Computer Science, Information Technology, Engineering, Finance, or a related field.
• 5–20 years of experience in payments and/or cards consulting, implementation, or solution design roles.
• Hands on experience (5+ years) working with Global Pay Plus in implementation, configuration, or solution architecture.
• Strong expertise in SEPA payment schemes (credit transfer, direct debit), including message formats, processing flows, and compliance requirements.
• Solid understanding of XML based payment messages and schemas relevant to SEPA and bank payment interfaces.
• Proven ability to work with cross functional teams and stakeholders in a consulting or client facing environment.

Additional responsibilities

Job Locations : Bangalore, Chennai, Hyderabad, Pune , Noida, Chandigarh

Preferred skills

• Domain › FS-Commercial Banking › Loan Origination (Corporate)
• Domain › FS-Consumer Banking › Personal Banking › Core Banking
• Domain › FS-Payments › Payment Schemes
• Technology › Cards and Payments - Payment Messaging › SWIFT
• Technology › Finacle-Core-Payments › SWIFT
• Domain › FS Products-Payments › Finastra GPP
• Domain › FS-Payments › Payment Messaging

About the role

• Role: Senior Consultant
• Experience: 5 - 8 years
• Education: Bachelor of Engineering