Technical Analyst - Payment (NEFT/RTGS)

Role : Technical Analyst Work Location: Jaipur Band: B2/C1 HR Designation: Manager / Senior Manager Working Days: 5.5 (1,3 & 5 Saturday is working) Working Mode: Work from office Work Timings: 9:15 AM – 6:15 PM Employment Type: Full-time Reporting: Lead Flexcube Role Summary We are looking for an experienced Senior Technical Consultant – Payments to act as a Subject Matter Expert for National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS) systems. The role will lead the complete software development lifecycle for payment solutions, bridging business requirements and technical execution to deliver secure, scalable, compliant, and high-quality payment platforms within the Indian banking ecosystem. What You’ll Do Product & Solution Design Act as technical SME for NEFT and RTGS payment systems across the organization. Analyze business, operational, and regulatory requirements to design secure and scalable payment solutions. Define solution architecture leveraging modern concepts such as microservices, APIs, and cloud-ready designs. Development & Integration Lead end-to-end development and implementation of payment solutions from requirements to deployment. Oversee integration of payment platforms with core banking systems and internal/external payment infrastructure. Ensure adherence to coding standards, architecture principles, and industry best practices. Testing & Quality Assurance Coordinate and govern System Integration Testing (SIT) and User Acceptance Testing (UAT). Conduct code reviews and ensure solutions meet functional, non-functional, and regulatory standards. Ensure compliance with RBI guidelines and internal governance frameworks. Support & Problem Resolution Provide expert-level production support and troubleshooting for critical payment issues. Perform root cause analysis and implement preventive measures to minimize downtime and failures. Documentation & Stakeholder Management Prepare and maintain technical documents, functional specifications, and architecture artifacts. Share regular status updates, reports, and dashboards with business and technology stakeholders. Success Metrics (first 12 months) Stable and timely delivery of NEFT and RTGS solutions with zero critical production issues. High system availability and reduced operational incidents. Zero high or critical audit observations from regulatory or internal audits. Improved efficiency, scalability, and reliability of payment processing systems. Must-Have Qualifications Minimum 6+ years of experience in the financial services or payments domain. Mandatory hands-on experience with NEFT and RTGS systems. Proven experience in leading and delivering large-scale or multi-year payment transformation programs. Strong understanding of payment lifecycle and schemes including NEFT, RTGS, IMPS, UPI, and SWIFT. Experience in solution design using microservices architecture, API integrations, and cloud adoption models. Working knowledge of SQL, Java fundamentals, and tools such as Jira and MS Project. Strong understanding of regulatory and compliance requirements in the Indian banking sector. Education Bachelor’s Degree in Computer Science, Information Technology, Engineering, or a related discipline. A postgraduate qualification is an added advantage.