Technical Business Analyst - Payment Gateway & Merchant Acquiring

Business System Analyst

Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Business System Analyst

Technical Business Analyst

(Merchant Acquiring & Payment Gateway)

Location: Chennai
Experience: 8–10+ years

Role Summary

We are looking for a Technical Business Analyst to support and drive delivery for our Merchant Acquiring and Payment Gateway platform. The role involves owning end‑to‑end requirements and solution analysis for complex payment workflows, working closely with Product, Engineering, Risk, and Compliance teams to deliver reliable, compliant, and scalable payment solutions.

Key Responsibilities

• Own requirements for payment flows including authorization, capture, refund, settlement, reconciliation, and chargebacks.

• Translate business and regulatory needs into clear functional and technical requirements.

• Analyze end‑to‑end payment systems involving merchants, gateways, acquirers, networks, issuers, PSPs, and fraud systems.

• Provide solution options with system impact, data flow, and integration considerations.

• Support backlog refinement, sprint planning, UAT, test case reviews, and defect triage.

• Work with engineering to clarify requirements and reduce delivery risks.

• Ensure alignment with PCI‑DSS, SCA/3DS, network mandates, and local regulations.

• Coordinate with internal stakeholders and external partners where required.

• Guide junior analysts and contribute to process and documentation improvements.

Required Qualifications

• 6–10+ years of experience as a Business Analyst / Technical Business Analyst.

• Strong hands‑on experience in Merchant Acquiring and Payment Gateway systems with solid understanding of concepts in payments like EMV, Tokenization, APM's, 3DSecure, Payments protocol formats, etc.

• Solid understanding of APIs, integrations, distributed systems, and data flows.

• Experience working in Agile (Scrum/Kanban) environments.

• Strong analytical, communication, and stakeholder management skills.

Preferred

• Experience working with card networks, banks, or PSPs.

• Knowledge of payment reliability concepts (latency, retries, idempotency, SLAs).

• Familiarity with tools like JIRA, Confluence, Postman, BPMN/UML.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Diversity and Inclusion:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

Experience Level

Mid Level