Functional Tester Core & Digital Banking

Job Description

Experience: 2 7 Years

Location: Pune | Bangalore | Chennai

Work Mode: Work From Office

Employment Type: Full-Time

Domain: Banking / FinTech / Core Digital Banking

Job Overview

We are looking for experienced Functional Testers with 2 7 years of experience in Banking or FinTech applications.

The selected candidate will be responsible for functional, integration, system, end-to-end, and regression testing across Core Banking, Payments, Trade Finance, Corporate Loans, Virtual Accounts, Liquidity Management, and Digital Banking channels.

The role involves working closely with Business Analysts, developers, senior testers, and business stakeholders to understand requirements, prepare test scenarios and test data, execute test cases, identify defects, and support UAT activities.

Key Responsibilities

• Review BRDs, FRDs, user stories, and functional requirements.
• Identify testable acceptance criteria and prepare positive and negative test scenarios.
• Prepare detailed test cases, test scenarios, and test data.
• Execute functional, integration, system, end-to-end, and regression testing.
• Validate business processes across multiple banking modules.
• Perform API testing using Postman or similar tools.
• Validate JSON, XML, and banking message payloads.
• Perform SQL-based database validation and reconciliation.
• Capture test execution evidence and maintain results in test management systems.
• Log defects with clear reproduction steps, expected results, actual results, and relevant test data.
• Track defects through resolution and perform defect retesting.
• Coordinate with Business Analysts, developers, and other stakeholders for defect clarification and resolution.
• Support User Acceptance Testing (UAT) planning, coordination, and execution.
• Maintain regression test packs and reusable testing assets.
• Update test cases based on system enhancements and change requests.
• Ensure testing activities follow established quality standards and project processes.

Banking Domain Experience

Candidates should have experience in one or more of the following areas:

Core Banking

• Customer and account lifecycle
• Current and Savings Accounts
• Deposits
• Interest and charges
• General Ledger postings
• Account maintenance and servicing

Payments

• Domestic payment flows
• UPI Collect and Pay transactions
• Fund transfers
• Cross-border payment basics
• Payment processing and reconciliation
• Sanctions and AML validation
• ISO 20022 / SWIFT MT message structures

Trade Finance

• Letter of Credit (LC) issuance and amendments
• Bank Guarantee (BG) lifecycle
• Trade document validation
• Trade fees and charges
• Trade transaction processing

Corporate Loans

• Loan booking
• Loan disbursement
• Repayments
• Repayment schedules
• Interest calculations
• Delinquencies and overdue processing

Virtual Accounts

• Virtual account setup
• Account mapping
• Transaction validation
• Statement validation
• Reconciliation

Liquidity Management

• Sweep account configuration
• Pooling rules
• Fund movements
• Interest allocation validation
• Liquidity structure validation

Digital Banking

• User login and authentication
• Customer onboarding
• User roles and entitlements
• Maker-checker and approval workflows
• Transaction approvals
• Notifications
• Digital banking workflows

API Integration Testing

The candidate should have practical experience with:

• API testing using Postman or SoapUI.
• REST and/or SOAP APIs.
• JSON and XML payload validation.
• Swagger / API documentation.
• System Integration Testing (SIT).
• End-to-End (E2E) transaction testing.
• Basic understanding of ISO 20022 and SWIFT MT message structures.

Required Skills

• 2 7 years of experience in Functional Testing.
• Experience working with Banking, Financial Services, or FinTech applications.
• Good understanding of core banking and payment workflows.
• Strong knowledge of functional, integration, regression, and end-to-end testing.
• Experience preparing test cases, scenarios, test data, and execution reports.
• Practical SQL knowledge for database validation and reconciliation.
• Hands-on experience with Postman and/or SoapUI.
• Experience with test and defect management tools such as JIRA/Xray, Zephyr, or Azure DevOps.
• Understanding of payment message formats such as ISO 20022 and SWIFT MT is preferred.
• Strong analytical and problem-solving skills.
• Excellent attention to detail.
• Good communication and documentation skills.

Preferred Banking Platforms

Experience with one or more of the following platforms will be preferred:

• Oracle FLEXCUBE
• Intellect Core Banking
• Trade360
• Loan IQ
• Payment Hubs
• Equivalent Core Banking Systems
• Digital Banking Platforms

Tools Technologies

• Test Management: JIRA/Xray, Zephyr, Azure DevOps (ADO)
• API Testing: Postman, SoapUI, Swagger
• Databases: Oracle, SQL Server, PostgreSQL
• Database Language: SQL
• Documentation Collaboration: Confluence, SharePoint

Qualifications

• Bachelor's degree or equivalent relevant experience.
• ISTQB CTFL certification is preferred.
• Exposure to Agile/Scrum methodology is preferred.
• Banking or financial services domain experience is highly preferred.

Preferred Candidate Profile

We are looking for candidates who:

• Have 2 7 years of relevant Functional Testing.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.