Functional Associate – Payments

Job Purpose

Key Responsibilities

• Act as the functional liaison bridging business, operations, and IT for payment, card, and digital channel products.
• Support product managers throughout the end-to-end lifecycle of payment and card products, from requirement gathering to implementation and ongoing enhancement.
• Gather, analyze, and document business requirements, use cases, process flows, and functional specifications aligned to business goals.
• Convert business requirements into clear, structured functional requirements for technical and implementation teams.
• Host requirement clarification sessions, workshops, and stakeholder discussions to ensure alignment on project scope, priorities, and outcomes.
• Accelerate capture, validation, and processing of business requirements for timely project execution.
• Coordinate with internal stakeholders to expedite reviews, approvals, and sign-offs for functional changes and product enhancements.
• Liaise closely with Technology, Fraud & Risk, Operations, and Product Management teams to ensure smooth delivery and efficient issue resolution.
• Support testing activities including requirement walkthroughs, UAT support, defect clarification, and validation of delivered features.
• Maintain thorough and accurate documentation such as BRDs, FSDs, process documents, trackers, approval records, and feedback logs.
• Identify opportunities for process improvements across payment, card, and digital channel journeys to drive operational excellence and enhance customer experience.
• Support change management and governance by ensuring requirements, decisions, and approvals are properly documented and communicated.

Key Skills, required Qualifications & Experience

• Bachelor’s degree in Business, Information Technology, Computer Science, Engineering, or a related discipline.
• Certifications in business analysis, agile delivery, or product management are a plus.
• Training in process mapping, requirements documentation, or software delivery methodologies is an advantage.
• 3–5 years of experience in business analysis, functional analysis, product support, or similar roles within banking, payments, cards, or fintech.
• Proven expertise in gathering/documenting business requirements and coordinating with cross-functional teams.
• Strong hands-on experience with business requirements gathering, functional documentation (BRDs, FSDs, user stories), and process mapping.
• In-depth knowledge of payments and cards products, and understanding of digital channels (web/mobile apps) is preferred.
• Skilled in stakeholder management, UAT support, and defect clarification.
• Strong cross-functional collaboration skills and ability to accelerate approval management.
• Excellent written and verbal communication, with the ability to translate business needs into structured requirements.