Sr Associate – Techno Functional BA - Payments, Advisory

Overview

Sr Associate in Techno Functional Business Analysis for Payments within PwC's Advisory line of service, focused on RTGS platforms, payment architecture and solution design.

What you'll do

• Design end-to-end technology solutions across RTGS and high-value payment ecosystems.
• Develop scalable, resilient, secure, and supportable payment architectures aligned with enterprise technology standards.
• Define solution blueprints, integration patterns, and target-state architectures for payment modernisation programmes.
• Conduct architecture assessments, solution reviews, technical impact analyses, and design assurance.
• Translate business, operational, regulatory, and scheme requirements into implementable technology solutions.
• Provide domain and technical expertise across global RTGS schemes and real-time settlement infrastructures.
• Support implementation, transformation, or modernisation initiatives involving RTGS platforms.
• Analyse payment processing flows, settlement mechanisms, liquidity management, participant connectivity, messaging, reconciliation, and exception handling.
• Contribute to design decisions covering payment orchestration, routing, validation, settlement, monitoring, and operational resilience.
• Design and review microservices-based architectures for payment applications and supporting services.
• Define API specifications, service interaction models, enterprise integration patterns, and interface contracts.
• Contribute to designs involving REST APIs, event-driven architecture, distributed systems, containerised services, cloud-native principles, high availability, and resiliency.
• Work closely with engineering, infrastructure, security, testing, and operations teams through implementation and technical delivery.
• Facilitate solution workshops, technical discussions, architecture reviews, and governance forums.
• Produce clear architecture documents, solution designs, technical specifications, data and integration views, and implementation roadmaps.
• Communicate complex technical concepts effectively to business, product, operations, and technology stakeholders.

What you'll need

• 3-8 years of relevant experience in payments technology, payment architecture, solution design, systems integration, or payment transformation.
• Demonstrated technical experience working on RTGS systems or high-value payment infrastructures.
• Practical experience in solution architecture, application architecture, technical design, or engineering-led delivery.
• Experience working within banks, central banks, payment infrastructure providers, financial market infrastructures, or payment technology organisations.
• Strong understanding of RTGS, high-value payments, settlement flows, liquidity considerations, payment messaging, reconciliation, and exception management.
• Experience with one or more global RTGS schemes, such as T2, Fedwire Funds Service, RITS, CHAPS, BOJ-NET, or comparable domestic high-value payment systems.
• Understanding of ISO 20022 payment messages and their application within payment initiation, clearing, settlement, reporting, and exception processes.
• Awareness of payment hubs, payment orchestration, participant gateways, sanctions and fraud controls, and settlement account integration.
• Strong knowledge of microservices architecture, API design, RESTful services, enterprise integration patterns, and distributed systems.
• Ability to produce and review solution architecture artefacts, sequence diagrams, component views, interface designs, and non-functional requirements.
• Understanding of event-driven architectures, messaging middleware, system integration frameworks, high availability, resiliency, observability, and security-by-design.
• Working knowledge of modern engineering and deployment approaches, including containers, DevOps, CI/CD, and cloud-native application design.
• Education: Bachelor of Engineering (BTECH/MTECH).
• Required skills: Java, Software Development.

Nice to have

• RTGS transformation, payment modernisation, or ISO 20022 migration experience.
• Exposure to Kubernetes or OpenShift, Docker, Kafka or equivalent messaging platforms, API gateways.
• Experience designing payment hubs, orchestration layers, scheme gateways, or settlement and liquidity integrations.

Details

• Location: Bengaluru Millenia.
• Employment is in the Advisory line of service, Data, Analytics & AI specialism, Senior Associate management level.
• Visa sponsorship: No.
• Government clearance required: No.
• Travel requirements: Not specified.
• Job posting end date: September 11, 2026.