Principal Consultant

CORPORATE BANKING PRESALES CONSULTANT
Focus Payments | Escrow Accounts | Commercial Lending
Experience 10-14 yrs
Location Bangalore / Hyderabad / Pune / Chennai
ROLE SUMMARY
Presales consultant for corporate banking modernization pursuits, anchored on Finacle Corporate Banking, Payments and Lending suites. Combines domain depth across transaction banking, escrow servicing and commercial credit with solution-consulting maturity to shape ISO 20022-ready, API-led, digitally orchestrated propositions for banks and their corporate clients.
KEY RESPONSIBILITIES

• Lead presales for corporate banking pursuits spanning payments (payment hub, cross-border, instant, WPS/payroll), escrow accounts and commercial lending (origination, servicing, syndication, limits & collateral).
• Run client workshops, demos, PoCs and RFP responses; convert business drivers, regulatory needs and corporate journeys into tailored Finacle-anchored solution stories.
• Translate needs into functional and technical constructs - APIs, ISO 20022 flows, host-to-host, rail adapters, escrow waterfall configuration, credit workflows and ecosystem integrations.
• Shape architecture narratives covering payment factory, SWIFT/domestic rails, escrow segregation & sub-ledgering, limits/collateral, fraud/AML touchpoints, liquidity and observability.
• Prepare proposals, demo scripts, fitment matrices, solution blueprints and executive presentations; validate commitments with product, delivery, architecture and partner teams.
• Stay current on corporate banking trends - instant payments, ISO 20022 data exploitation, digital escrow, SME/mid-market lending journeys, ESG-linked credit and AI-enabled risk & servicing. REQUIRED SKILLS
  • 10-14 years in domain be it presales, solution consulting, business analysis or implementation within banking technology, fintech or corporate banking programs - with clear coverage of payments, escrow and lending.
  • Strong techno-functional grasp of corporate banking platforms, payment hubs, escrow servicing engines, loan origination and servicing systems, limits, collateral and cash management.
  • Working knowledge of payment life cycles (initiation, routing, clearing, settlement, reconciliation) and rails - SWIFT, RTGS, ACH, instant schemes, WPS/payroll and regional networks.
  • Understanding of escrow constructs - beneficiary hierarchies, virtual accounts, waterfall/disbursement rules, regulator/RERA-style controls, milestone releases and multi-party reporting.
  • Exposure to commercial lending - origination workflows, credit assessment integration, facility structures, syndication, drawdowns, repayments, restructuring, covenants and collateral management.
  • Solid grip on ISO 20022, APIs, host-to-host files, ERP/TMS integration and digital corporate channels; proven ability to build demos, RFP responses and executive stories for senior stakeholders. DOMAIN COVERAGE Payments Payment hub, domestic & cross-border, instant, bulk, WPS/payroll, corporate initiation, ISO 20022, SWIFT Escrow accounts Real-estate/RERA-style, project escrows; virtual accounts, waterfall, milestone release
    Commercial lending Origination, credit workflow, facility & limits, syndication, drawdown/servicing, collateral, covenants Channels & connectivity Corporate portal & mobile, host-to-host, APIs, ERP/TMS integration, statement & status reporting Risk & controls Sanctions/AML, fraud monitoring, maker-checker, segregation of duties, audit and regulatory reporting
    

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