Test Engineer

Card Issuing Test EngineerJob Summary

We are looking for an experienced Card Issuing Test Engineer with strong expertise in the Cards domain and BFSI testing. The candidate should have hands-on experience in testing the complete Card Issuing and Card Management lifecycle, along with strong knowledge of card transaction processing, authorization, clearing, and settlement.

Key Responsibilities

• Develop and maintain Test Strategies, Test Plans and Test Scenarios for Card Issuing functionality.

• Define test scope, testing approach, scenarios, test data requirements, timelines and dependencies.

• Perform Functional, Integration, Regression, System Integration and End-to-End testing.

• Estimate testing effort and provide realistic testing timelines.

• Analyze business and functional requirements and translate them into comprehensive test scenarios.

• Identify risks, dependencies and critical testing areas across the Card Issuing lifecycle.

• Validate integrations between Card Management/Issuing platforms, banking systems and card schemes.

• Execute transaction-level testing and validate end-to-end transaction processing.

• Identify, document and track defects through to closure.

Card Issuing Domain Experience

Strong understanding and hands-on testing experience across the complete Card Issuing lifecycle, including:

• Customer/Cardholder onboarding

• Card application

• Card eligibility and product selection

• Card creation and issuance

• Card activation

• PIN management

• Card status management

• Card replacement and renewal

• Card blocking/unblocking

• Card expiry and lifecycle management

Card Transaction Testing

Experience testing the following card transaction types:

• Purchase transactions

• POS transactions

• ATM transactions

• E-commerce transactions

• Contactless transactions

• Cash withdrawal transactions

The candidate should be able to:

• Validate authorization requests and responses.

• Test successful, declined and exception scenarios.

• Validate authorization/response codes.

• Verify available balance and credit-limit impacts.

• Validate authorization holds and releases.

• Test transaction reversals and refunds.

• Validate transaction status across the complete processing lifecycle.

• Verify clearing and settlement processing.

Card Schemes

Hands-on experience with one or more major card schemes, preferably:

• Visa

• Mastercard

Good understanding of scheme-based transaction processing and interaction between the issuer, card network and other participating systems is expected.

Required Skills & Experience

• 5–8 years of overall software testing experience within BFSI.

• Strong Cards domain experience, with significant hands-on experience in Card Issuing.

• Strong understanding of the end-to-end Card Issuing lifecycle.

• Experience testing Card Management / Card Issuing platforms.

• Strong knowledge of card transaction processing.

• Good understanding of Authorization, Clearing and Settlement.

• Experience in Functional, Integration, Regression and End-to-End testing.

• Experience preparing test strategies, test plans, scenarios and test data.

• Strong analytical, troubleshooting and defect-management skills.

• Good communication and stakeholder-management skills.

Preferred Profile

Candidates with hands-on experience in Cards Issuing + Card Management + Authorization + Clearing & Settlement + Visa/Mastercard transaction processing will be strongly preferred.