Associate ConsultantManager Consulting Expert-Functional Payment Design with SWIFT, NACHA and CHAPS

Position Description:

Company Profile:
Founded in 1976 CGI is among the largest independent IT and business consulting services firms in the world. With 94000 consultants and professionals across the globe CGI delivers an end-to-end portfolio of capabilities from strategic IT and business consulting to systems integration managed IT and business process services and intellectual property solutions. CGI works with clients through a local relationship model complemented by a global delivery network that helps clients digitally transform their organizations and accelerate results. CGI Fiscal 2024 reported revenue is CA$14.68 billion and CGI shares are listed on the TSX (GIB.A) and the NYSE (GIB). Learn more at .

Position: Associate Consultant/Manager Consulting Expert-Senior Functional Payment Designer with SWIFT NACHA and CHAPS
Experience: 14-18 years
Category: Software Development/ Engineering
Shift: General Shift
Location: Bangalore
Position ID: J0126-0038
Employment Type: Full Time

Education Qualification: Bachelors degree in computer science or related field or higher with minimum 12 years of relevant experience.

A talented versatile and hands-on **Functional Payments Expert** responsible for devising and delivering cutting-edge innovative payment solutions. The ideal candidate is a **self-motivated individual** with strong awareness of payments industry trends bank processing models payment security and end-to-end transaction lifecycles.
Strong **business acumen** positive work ethics and a **collaborative mindset** are key to success in this role. The candidate will work closely with **cross-functional teams** including business product analytics UX and engineering requiring excellent **articulation negotiation and influencing skills** due to high stakeholder visibility.
This role acts as a **bridge between business product and implementation teams** translating business needs into scalable high-performance payment solutions. The individual is expected to be an **effective leader mentor and thought leader** contributing to future-ready payment architectures and strategies.
The role combines **functional design leadership solution selling and client-facing engagement** requiring deep working knowledge of payments and modern distributed system architectures.

Your future duties and responsibilities:

Lead functional design and solution definition for complex payment systems translating business requirements into scalable and resilient functional solutions
Act as a bridge between business product and engineering teams ensuring alignment across requirements design and implementation
Drive requirement elicitation analysis and documentation including BRDs functional specifications process flows data/message mappings and user stories
Own end-to-end functional design for payment flows including initiation validation clearing settlement reconciliation and exception handling
Define and review functional decomposition aligned to microservices and domain-driven design principles
Collaborate with architects and engineering teams to ensure functional designs align with microservices Kafka-based event flows and catching strategies
Validate functional designs against non-functional requirements such as performance scalability resiliency security and regulatory compliance
Support FAT UAT and implementation phases including scenario definition validation support and issue analysis
Provide functional guidance during production issue analysis and root cause investigations especially for payment failures and reconciliation breaks
Engage directly with clients and senior stakeholders presenting designs explaining solution options and influencing design decisions
Contribute to solution selling and pre-sales activities including proposal support solution walkthroughs and client discussions
Mentor junior functional designers and analysts promoting best practices and thought leadership in payments design
Contribute to future-state architecture and product roadmap discussions incorporating industry trends regulatory changes and emerging technologies
Ensure all functional artifacts are accurate complete and audit-ready supporting operational and compliance needs
Participate actively in Agile ceremonies backlog refinement sprint planning and cross-team design reviews

Required qualifications to be successful in this role:

Must-Have Skills:
General / Functional Skills
* Proven experience in **product development** with strong focus on **functional design decomposition and solution definition**
* Strong **UML modeling skills** preferably using **Sparx Enterprise Architect**
* Ability to understand analyze and document **business requirements** from diverse stakeholders
* Expertise in **Business Analysis** **Requirement Elicitation** **Gap & Impact Analysis** **Message/Data Mapping** and **FAT validation**
* Experience producing **BRDs Functional Specifications Process Flow Diagrams User Stories Backlogs** and related artifacts
* Excellent **written and verbal communication skills**
* Strong **client-facing experience** including interaction with senior executives (internal and external)
* Solid understanding of **technical aspects of software products** including:
* Interfaces & APIs
* Connectivity & integration patterns
* Databases
* Application servers & middleware
* SOA and distributed systems
* Data warehousing archival and purge strategies
* Hands-on experience across the **Software Development Life Cycle (SDLC)**
* Strong working knowledge of **Agile delivery models**

Payments Domain Expertise
* Extensive experience in **payments-related software development projects or products**
* Strong proficiency in **SWIFT** **SWIFT GPI** **NACHA** **CHAPS**
* Hands-on experience with **Clearing & Settlement Systems** across **Europe Canada and the US**
* Experience working with **at least two clearing systems in different countries**
* Proven track record of **product or project implementation** in **medium to large-scale banks**
Architecture & Technology (Key Additions)
* Strong **working knowledge of Microservices Architecture** including:
* Service decomposition and domain-driven design concepts
* API-driven integration and service orchestration
* Resilience scalability and fault-tolerance considerations in payment systems
* Working understanding of **event-driven architectures** using **Apache Kafka** including:
* Event streaming concepts
* Topic design and message flows
* Use of Kafka in high-throughput low-latency payment processing
* Working understanding of **in-memory data grids / caching solutions** such as **Hazelcast** including:
* Distributed caching patterns
* State management in microservices
* Performance optimization and high availability considerations
* Ability to collaborate effectively with engineering teams to ensure **functional designs align with scalable performant system architectures**

Good-to-Have Skills:
* Experience with **SWIFT Service Bureau** implementations
* Exposure to **product roadmap planning** and **DevOps strategies**
* Site implementation experience with leading payment products such as **Fundtech** or **Clear2Pay**
* Experience representing organizations in **external forums industry panels or conferences**
* Strong understanding of **CI/CD pipelines and operational readiness for payment platforms**

Skills:

• Banking
• English
• Microservices
• RESTful (Rest-APIs)

What you can expect from us:

Together as owners lets turn meaningful insights into action.

Life at CGI is rooted in ownership teamwork respect and belonging. Here youll reach your full potential because

You are invited to be an owner from day 1 as we work together to bring our Dream to life. Thats why we call ourselves CGI Partners rather than employees. We benefit from our collective success and actively shape our companys strategy and direction.

Your work creates value. Youll develop innovative solutions and build relationships with teammates and clients while accessing global capabilities to scale your ideas embrace new opportunities and benefit from expansive industry and technology expertise.

Youll shape your career by joining a company built to grow and last. Youll be supported by leaders who care about your health and well-being and provide you with opportunities to deepen your skills and broaden your horizons.

Come join our teamone of the largest IT and business consulting services firms in the world.