QA Payments & UPI Test Engineer

KAARA.AI IS HIRING

QA: Payments & UPI Test Engineer

UPI · IMPS · NEFT · RTGS · BBPS/Cards

Function: Information Technology

Experience: 5 – 8 years

Location: Bangalore

ROLE PURPOSE

We are hiring a Payments & UPI Test Engineer to test payment journeys across UPI, IMPS, NEFT, RTGS, BBPS and cards for banking

and regulated financial services.

KEY FOCUS AREAS

• UPI, IMPS, NEFT, RTGS, BBPS/cards.
• Beneficiary, limits, callbacks, status and timeout scenarios.
• Duplicate, reversal, refund and reconciliation scenarios.

REQUIRED SKILLS & EXPERIENCE

• Minimum 3 years of payments testing.
• Direct UPI experience is mandatory for at least one selected resource.
• Banking and channels: Experience in banking or regulated financial services, preferably Internet Banking, Mobile Banking, payment journeys, onboarding or customer servicing.
• QA lifecycle: Test planning, risk-based scenario design, test-case preparation, execution, evidence, defect lifecycle, retesting, regression, traceability, UAT support and closure.
• API testing: Postman, Swagger/OpenAPI and REST API validation. REST Assured or equivalent automation experience is preferred for technical profiles.
• Automation: Hands-on skill in Selenium, Cypress, Playwright, Appium or equivalent. TOSCA is an added advantage, not a substitute for domain and hands-on testing capability.
• Architecture: Understanding of microservices, API gateways/BFF, event-driven integration, external dependencies, distributed logs/traces and CI/CD-integrated testing.
• Tools: Jira, ServiceNow, HP ALM or Zephyr; Git; CI/CD test execution; dashboards and test-evidence management.
• Channels: Exposure to web, iOS/Android mobile, APIs, backend services and end-to-end integrated journeys.
• Ways of working: Agile/Scrum, story refinement, acceptance-criteria review, sprint ceremonies, defect triage and cross-team coordination.
• Communication: Ability to communicate business impact, dependency risk, test status and release concerns to Bank, SI partner, product, engineering and control teams.
• Data and security: Responsible handling of test data, masking, evidence redaction, credentials and sensitive banking information.

PREFERRED SKILLS

• NPCI ecosystem exposure.
• High-volume payments.
• Simulators.
• SQL reconciliation.
• ISO 20022 awareness.

Kaara.AI