About Us
“Capco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount. With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery.
WHY JOIN CAPCO?
You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry.
MAKE AN IMPACT
Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services.
#BEYOURSELFATWORK
Capco has a tolerant, open culture that values diversity, inclusivity, and creativity.
CAREER ADVANCEMENT
With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands.
DIVERSITY & INCLUSION
We believe that diversity of people and perspective gives us a competitive advantage.
Location: Pune
Business Analyst – Payments Domain
Experience
• 6–10 years of overall experience, with at least 4+ Years of relevant hands-on experience in the Payments domain.
• Proven experience as a Business Analyst in payments implementation and transformation programs.
• Candidates must have direct Payments domain experience. Profiles with only adjacent banking or financial
services experience, without hands-on Payments expertise, will not be considered.
Mandatory Skills
1. Payments Domain Expertise
• Strong Subject Matter Expert (SME) in the Payments Domain with a deep understanding of end-to-end payment
processing, payment lifecycle, and payment operations.
• Broad Payments domain experience beyond MT-to-MX migration projects, with exposure to Payment Hub
modernization, clearing integration, and payment processing initiatives.
2. Payment Hub & System Integration
• Hands-on experience with Payment Hub/Payment Orchestration platforms, including integration with upstream
and downstream banking/payment systems.
• Strong understanding of payment system integrations, API/service-based architectures, message
routing/orchestration, and collaboration with business, operations, product, and technology teams throughout
the implementation lifecycle.
3. Payment Messaging Standards
• Strong knowledge of payment messaging standards, including ISO 20022 (MX) and SWIFT MT message formats,
with experience in message mapping, validation, and transformation.
4. Clearing & Payment Rails
• Proven experience working with clearing schemes and payment rails such as RTGS, ACH, NACH, UPI, NEFT,
FPS, SEPA, or equivalent regional clearing systems.
5. Business Analysis & Delivery
• Proven experience in requirements gathering, business process analysis, solution design, testing, and
stakeholder management for payments implementation and transformation programs.
• Experience in defining functional requirements, business rules, message flows, exception handling,
reconciliation processes, and integration specifications for payment systems.
Preferred Skills
• Experience with payment hub products such as Finastra, FIS, Volante, Temenos, Fiserv, ACI, or similar payment
processing platforms
Skills Required
- 6-10 years of overall professional experience
- At least 4 years of hands-on experience in the Payments domain
- Proven experience as a Business Analyst in payments implementation and transformation programs
- Direct Payments domain experience, including payment processing, payment lifecycle, and payment operations
- Experience with Payment Hub or Payment Orchestration platforms and upstream/downstream system integrations
- Understanding of API or service-based architectures and message routing/orchestration
- Strong knowledge of ISO 20022 MX and SWIFT MT messaging standards
- Experience with message mapping, validation, and transformation
- Experience with clearing schemes or payment rails such as RTGS, ACH, NACH, UPI, NEFT, FPS, SEPA, or equivalent
- Experience in requirements gathering, business process analysis, solution design, testing, and stakeholder management
- Experience defining functional requirements, business rules, message flows, exception handling, reconciliation processes, and integration specifications
- Experience with payment hub products such as Finastra, FIS, Volante, Temenos, Fiserv, ACI, or similar platforms
What the Team is Saying
Capco Compensation & Benefits Highlights
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Healthcare Strength — Health, dental, and vision coverage in the U.S. are characterized as strong, with good coverage and favorable costs. Mental health resources and broader wellbeing programs are also emphasized as part of a comprehensive package.
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Leave & Time Off Breadth — PTO and paid holidays are described as generous, with multiple mentions of strong vacation allowances. While client work can affect usage, the underlying entitlement is presented as solid.
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Parental & Family Support — Company materials highlight enhanced family-friendly policies, including substantial maternity and paternity leave. Flexibility and return-to-work support reinforce a family-oriented approach.
Capco Insights
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent. TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients. DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success. DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions. ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
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Capco Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
