Senior Product- Functional Analyst (Temenos T24 Lending & API Testing)

Role Overview

Job Title: Senior Product / Functional Analyst Temenos T24, Lending & API Testing

Domain: Core Banking, Retail Banking, and Consumer Lending

Work Mode: Hybrid

Location Preference: Kolkata, Pune, Chennai, or Bengaluru (in order of priority)

Key Responsibilities

• Analyze business requirements and functional specifications for retail banking and consumer lending systems.
• Work hands-on with Temenos Transact T24, with exposure to Arrangement Architecture.
• Validate loan origination-related interfaces where applicable, loan servicing, repayment schedules, interest calculations, charges, and loan account transactions.
• Perform functional testing of Loan Management and Servicing (LMS) processes.
• Design and execute API test scenarios using Postman.
• Validate API requests, responses, status codes, data integrity, and downstream system impacts.
• Perform GL reconciliation and validate financial reports, accounting entries, balances, and transaction-level consistency.
• Identify discrepancies between source transactions, system outputs, and GL or reconciliation reports.
• Collaborate with business analysts, developers, QA teams, and banking stakeholders to resolve functional and data-related issues.
• Contribute to the development of reusable tools and accelerators for API automation and report validation.
• Support test planning, execution, defect management, and end-to-end functional validation.

Mandatory Skills and Experience

• Hands-on experience with Temenos Transact T24.
• Exposure to Arrangement Architecture.
• Strong functional knowledge of Loan Management and Servicing (LMS).
• Experience in retail banking and consumer lending.
• Hands-on API testing experience using Postman.
• Strong expertise in GL reconciliation and financial report validation.
• Ability to analyze complex banking workflows and identify functional and data discrepancies.
• Strong analytical, problem-solving, and communication skills.

Preferred Skills

• Experience with Tricentis Tosca automation.
• Experience building reusable automation tools or accelerators for API testing.
• Experience automating report validation and reconciliation checks.
• Exposure to end-to-end banking system integration testing.