Skills – Mandatory : Requirement gathering , BRD , FRD Domain : Retail banking /finance domain Total Years of Experience : 8years Location : Kochi/TVM Notice Period : Immediate
Job Purpose (both Onsite / Offshore)
Highly experienced Senior Business Analyst with deep Retail Banking domain expertise to partner with customers in designing, evaluating, and implementing end-to-end financial systems.
The role requires robust consulting capabilities, extensive knowledge across lending and banking operations, and the ability to translate business strategy into actionable system and process design

Job Description / Duties and Responsibilities

• Lead end-to-end analysis and solution design across core retail banking functions, including Loans & Credit, Branch & Customer Services, Mortgage Operations, SME/Small Business Banking, Risk, Compliance & Fraud Management, and Cards & Merchant Services.


• Assess current-state banking processes and define future-state workflows, operational models, and functional improvements aligned with regulatory and business objectives.


• Consult with stakeholders to define requirements for banking platform setup, integrations, product configuration, customer journeys, and operational workflows.


• Conduct industry benchmarking, competitive analysis, and market scanning to support strategic decision-making and product positioning.


• Strong understanding of payment rails and standards (domestic schemes, cross-border remittance flows, ISO 20022, SWIFT, NPP, clearing & settlement, FX handling).


• Expertise in payment processing operations—authorization, capture, settlement, reconciliation, chargeback handling, mandates (for Direct Debit), and risk/fraud controls.


• Perform strategic positioning assessments, identify opportunities for differentiation, and recommend commercially viable operating models.


• Build financial models to evaluate business cases, pricing models, credit impact, operat