Sr. Payments Engineer - (SWIFT & TCS BaNCS)
We are looking for an experienced Senior Product Engineer with strong expertise in SWIFT Payments and TCS BaNCS Payments to support enterprise payment platform initiatives within Business Platforms & Payments. The ideal candidate should possess strong experience in payment processing, SWIFT messaging, remittance operations, payment lifecycle management, and enterprise banking integrations.
The role requires a strong understanding of domestic and international payment processing, payment messaging standards, banking operations, and modern payment platforms within large-scale banking environments.
Key Responsibilities
- Design, develop, and support enterprise payment solutions using SWIFT and TCS BaNCS Payments.
- Analyze, enhance, and optimize payment processing workflows for high-volume banking transactions.
- Support end-to-end payment processing across domestic and international payment systems.
- Manage inward and outward Telegraphic Transfer (TT) payments and remittance confirmations.
- Perform payment reconciliation and ensure transaction accuracy across payment systems.
- Develop, maintain, and support payment interfaces between core banking systems and external payment networks.
- Integrate third-party payment gateways, APIs, and banking services.
- Configure and support SWIFT payment interfaces and payment routing solutions.
- Work closely with business users to understand payment requirements and translate them into technical solutions.
- Support production incidents, root cause analysis, issue resolution, and payment monitoring.
- Ensure compliance with banking regulations, payment standards, and internal security policies.
- Participate in Agile ceremonies including sprint planning, backlog grooming, stand-ups, and retrospectives.
- Collaborate with Product Owners, Business Analysts, Architects, QA teams, and Operations to deliver high-quality payment solutions.
- Prepare technical documentation, solution designs, and implementation guides.
- Support payment modernization and digital transformation initiatives.
Required Technical Skills
- Strong hands-on experience with SWIFT Payments.
- Strong experience working on TCS BaNCS Payments platform.
- Expertise in payment processing and payment lifecycle management.
- Experience handling:
- TT Payments
- Inward Payments
- Outward Payments
- Remittance Processing
- Payment Reconciliation
- Strong understanding of:
- SWIFT MT Message Formats
- ISO 20022 Payment Messaging
- Payment Validation
- Payment Routing
- Experience integrating payment systems with:
- Third-party APIs
- Payment Gateways
- External Banking Systems
- Strong understanding of REST APIs and enterprise integrations.
- Experience working with enterprise banking applications and payment platforms.
- Good understanding of SQL and database concepts.
- Experience with production support, incident management, and troubleshooting.
- Knowledge of SDLC, Agile, and software engineering best practices.
Functional Knowledge
Strong understanding of:
- Domestic Payments
- International Payments
- SWIFT Network
- Cross-border Payments
- Telegraphic Transfer (TT)
- Remittance Processing
- Payment Investigation
- Payment Reconciliation
- Payment Compliance
- Settlement Processes
- Banking Payment Operations
Required Competencies
- Strong analytical and problem-solving skills.
- Excellent stakeholder management and communication skills.
- Ability to work effectively with Business, Operations, and Technology teams.
- Strong ownership mindset with focus on delivery quality and operational excellence.
- Ability to manage multiple priorities in fast-paced banking environments.
- Strong troubleshooting and production support capability.
- Experience working within Agile delivery teams.
Preferred Domain Experience
- Banking
- Financial Services
- Payments
- Core Banking
- Digital Banking
Nice to Have
- Experience with payment switches and enterprise payment hubs.
- Exposure to RTGS, ACH, Instant Payments, or Cross-border Payments.
- Experience with payment modernization initiatives.
- Knowledge of API-based payment architectures.
- Experience with cloud-native payment platforms.
- Understanding of regulatory and compliance requirements for banking payments.
- Exposure to DevOps and CI/CD practices.
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