Senior Associate - Oracle Flexcube Retail Banking Consultant

Role Summary 
Own end‑to‑end solution design and delivery on Finacle or Oracle Flexcube (FCUBS) for retail banking across deposits, retail lending, and payments. Lead parameterization governance, integrations, data migration, non‑functional assurance, and release readiness. Partner with Business, Operations, Risk/Compliance, and IT/Vendors to deliver compliant, scalable solutions with high STP, low defect leakage, and production stability. Mentor junior consultants and establish best practices. 

Responsibilities 

• Convert business goals into solution designs and FSD/TSD, covering product setup, accounting/GL, limits, charges, user roles/controls, and E2E customer journeys. 

• Govern configuration/parameterization (schemes/products, interest/charges, GL mapping), ensure change traceability, regression scope, and environment consistency. 

• Architect and validate integrations with channels and third parties (APIs/REST/SOAP, MQ, file/batch); define error handling, idempotency, reconciliation, and retry strategies; manage EOD/BOD impacts. 

• Drive non‑functional outcomes: performance baselining, capacity planning, resiliency (HA/DR), security/entitlements/SoD, and observability (logs/alerts/dashboards). 

• Plan and lead SIT/UAT and cutover: author risk‑based test scenarios (reversals, chargebacks/returns, preclosures, reschedules, NPA/IRAC tagging, holiday/calendar edge cases), manage defect triage to closure, and ensure deployment readiness. 

• Create data migration strategy and validations (trial loads, dry runs, control totals, GL balancing); perform SQL/PL‑SQL checks and Unix/shell log analysis; support production incident RCA. 

• Ensure compliance with RBI, KYC/AML, FATCA/CRS, NPCI guidelines; embed maker–checker/four‑eyes controls and audit trails across configurations and processes. 

• Lead incident/problem management (ITIL), reduce P1/P2 incidents, and drive continuous improvement; track release metrics (defect density/leakage, STP, performance SLAs). 

• Mentor techno‑functional consultants/developers; conduct solution walkthroughs, trainings, and thorough documentation handovers (BRD/FRD, configuration workbooks, SOPs, SLAs, traceability). 

Mandatory skill sets: 

• Any Postgraduate/Professional degree 

• 6–9 years as a techno‑functional consultant on Finacle or Oracle Flexcube (FCUBS), leading multi‑module changes (deposits/lending/payments). 

• Strong SQL/PL‑SQL, Unix/shell, and core banking data model knowledge; hands‑on with API/MQ/batch integrations and reconciliation. 

• Proven track record in UAT/go‑live leadership, cutover planning, and production stabilization. 

• Solid understanding of regulatory/compliance requirements: RBI, KYC/AML, FATCA/CRS, NPCI (payments), and IRAC/NPA norms. 

Preferred skill sets: 

• Finacle: Experience with Finacle Integrator (FI), custom components/reports, and performance tuning. 

• Flexcube: Deep understanding of FCUBS/OFS data model; experience with parameter migration and release packaging; familiarity with OBDX (digital channels). 

• Payments expertise (UPI/IMPS/NEFT/RTGS), reconciliation & settlements; awareness of ISO 8583 and ISO 20022 mapping. 

• Familiarity with DevOps/CI‑CD practices, Git/SVN; tools such as Jira/Confluence, ServiceNow (or equivalent). 

• Certifications (ITIL/PMP/PRINCE2/Scrum) and Lean/Six Sigma mindset. 

• Strong Excel & PowerPoint for management communication and governance forums.