Associate Product Specialist - Switching & Cards

The role will be responsible for creating a roadmap for applications that are robust and futuristic solutions for the ATM switch and cards and payment domain.

Job Summary:

• The role will be responsible for handling the solution architecture design and delivery for the ATM switch, cards and payment domain.
• Will be responsible for developing solutions, stakeholder management, vendor management and delivering the developed solutions.
• Ability to identify and manage risks, including developing contingency plans to mitigate potential issues.
• Knowledge of card issuing and transaction acquiring processing and standards.
• Knowledge of ISO8583 messaging standard protocols.
• Hands-on experience with Visa, MasterCard, UPI and other national card schemes issuing and acquiring, and scheme compliance requirements.
• Desirable to have knowledge of national schemes and processor integrations.
• Knowledge of APIs (SOAP, JSON, REST, etc.) and web service integration.
• Knowledge of back office integration.
• Knowledge of HSM protocols and configuration, encryption keys/cryptography including symmetric and asymmetric keys, 3DES, AES, SM4 and SHA.
• Familiarity with EMV technologies and standards, and PCI DSS and PA DSS standards.
• Familiarity with 3DS and tokenization standards.
• Experience with an EFT transaction switching or online banking environment.
• Hands-on experience with automated test tools and simulators.
• Experience with Google Pay, Samsung Pay, Apple Pay wallets, QR code and emerging payments will be an added advantage.
• Strong design and hands-on programming experience in a Unix/Linux environment, including Unix shell scripting.
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development).
• Excellent verbal and written communication skills for technical and non-technical audiences of various levels in the organization.
• Willingly shares relevant technical and/or industry knowledge and expertise with other resources.
• Excellent problem-solving, team and time management skills.
• Resourceful and proactive in gathering information and sharing ideas.
• Experience in the banking or financial services industry.
• Working experience in cloud and digital transformation projects is an advantage.
• Good knowledge of open banking is a plus.
• Ability to review requirements, conduct impact analysis and gap analysis, create high-level design, cost estimation, propose timelines, obtain project approval, and draft solution architecture, functional specification and technical specification documents.
• Be an excellent leader and subject matter expert on technical and functional knowledge.
• Good team collaboration and relationships within and outside the POD at all levels of the organization, with strong influencing, conflict resolution and negotiation skills.

Key Responsibilities:

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Skills and Experience:

• Knowledge of ATM/POS switching, debit card issuance/management, digital channels interface, encryption, HSM and ISO8583 messaging standards.
• Familiarity with EMV contact/contactless, Visa and MasterCard issuing and acquiring, and scheme compliance requirements.
• Experience with EFT transaction switching and processing.
• Familiarity with PCI DSS and PA DSS compliance requirements.
• Experience with switch integration with Visa/Mastercard is mandatory. Others such as UPI, JCB and national switches.
• Experience with Google Pay, Samsung Pay, Apple Pay wallets, QR code and emerging payments will be an added advantage.
• Experience in web service integration and APIs.
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development).
• Excellent in preparing solution architecture documents, functional specifications and technical specifications.
• Excellent problem-solving, team and time management skills.
• Experience in programming languages and other emerging technologies.
• Experience in cloud services.

Qualifications:

• Education: BTech or BE or MBA in Computer Science, Information Systems or a related IT area.
• 5 to 10 years of experience.