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Responsible for the end-to-end analysis, design, and delivery of retail payment solutions focusing on UPI and IMPS. This includes translating regulatory changes into system features and coordinating between business, technology, and external vendors like NPCI.
Requires a degree in Computer Applications or Technology with proven experience in implementing UPI/IMPS payment flows. Candidates must be proficient in payment messaging standards, API tools, and SQL for data analysis.
Job Title: Business Analyst - UPI
Department: Information Technology
Location: Navi Mumbai – Airoli
Job Summary - The UPI/IMPS Business Analyst will be responsible for end‑to‑end analysis, design, and delivery support for retail payments solutions (UPI, IMPS) across banking channels and switches. The role involves working closely with business, NPCI, operations, technology, and external vendors to translate regulatory and scheme changes into robust, scalable payment application features.
Key Responsibilities:
· Gather, analyse, and document business requirements for UPI/IMPS and related payment products across mobile, internet, branch, and API channels.
· Review user stories, and use cases capturing end‑to‑end flows: payer/payee journey, switching, NPCI messages, reconciliation, chargeback, and dispute processes.
· Map and optimize current vs. target processes (AS‑IS/TO‑BE), including exception handling, timeouts, and reversals for UPI/IMPS transactions.
· Work with solution and enterprise architects to align designs with core banking, CBS, reconciliation, and Risk and other interfaces.
· Act as the subject matter expert (SME) for UPI and IMPS, covering PSP/TPAP models, handle/VPA, collect/pay, mandate flows, and NPCI procedural circulars.
· Interpret NPCI specs, circulars, and regulatory guidelines, and convert them into clear business and system impacts (new message fields, limits, risk rules, compliance timelines).
· Understand and explain ISO 8583/ISO 20022 message structures for UPI/IMPS, including field usage and mapping to internal data models.
· Work with product owners, operations, risk, compliance, and technology teams to prioritise backlog and define MVP scope for UPI/IMPS initiatives.
· Liaise with NPCI, Payment switches, gateways, and third‑party vendors for clarifications, change requests, RFP/RFI evaluations, and solution walkthroughs.
· Conduct requirement workshops, demos, and walkthroughs for internal stakeholders, senior management, and steering committees.
· Define functional acceptance criteria, test scenarios, and edge cases for UPI/IMPS flows (success, failure, timeouts, recon transactions, refunds, retries).
· Support SIT/UAT by clarifying business rules, validating defects, and sign‑off on fixes; ensure regression coverage for core payment flows and downstream systems (recon, GL, reporting).
· Validate performance and resilience requirements (TPS, timeouts, switch failover, duplicate detection, idempotency).
· Create user guides, SOPs, and training materials for operations, contact centre, and branch/business users.
· Support cutover planning, production validation, and hyper‑care post go‑live, including monitoring key KPIs (success rates, declines, dispute volumes).
· Contribute to continuous improvement by analysing incident trends, customer feedback, and scheme changes, and proposing product/process enhancements.
· Hands‑on experience with payment switch / gateway / CBS integration for real‑time payments.
· Proven track record of at least 2–3 end‑to‑end implementations or major change releases in UPI/IMPS (e.g., UPI 2.0 features, AutoPay, mandate, TPAP onboarding etc., )
· Exposure to agile delivery, working as BA or proxy product owner for payments features.
· Strong understanding of UPI & IMPS transaction flows: payer/payee journeys, PSP/TPAP roles, NPCI switch behaviour, timeouts, declines, and chargebacks.
· Working knowledge of message formats and APIs:
o ISO 8583, ISO 20022 concepts, REST/JSON APIs, and NPCI message specifications.
o Required DB Querying for data analysis, reconciliation checks, and defect triage.
· Understanding & hands-on experience on Linux commandts, Weblogic deployment.
· Use of Postman tools, Oracle Sql developer etc.
· Understanding & hands-on experience on Deployments vai tools.
· Understanding on NPCI UPI/IMPS CZ tool with certification testing.
Education Qualification: Graduation: Bachelor of Science (B.Sc) / Bachelor of Technology (B.Tech) / Bachelor of Computer Applications (BCA) Post-Graduation: Master of Science (M.Sc) /Master of Technology (M.Tech) / Master of Computer Applications (MCA)
For any bank-related queries, please email us at [email protected] or call 1800 10 888 (Toll free).
**Never share your password, OTP, UPI Pin, CVV etc with anyone.** Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles: Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles. Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions. Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so. Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees. Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store. Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years. Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans. ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility. Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
Offices: IDFC FIRST Bank Tower, The Square, C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai, Maharashtra 400 051, IN
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