Business Analyst Virtual Account & Payments Transformation

.Lead requirement discovery and gap analysis across payments, cash management, and VAM platforms.

.Define and document end-to-end workflows (collections, reconciliation, liquidity, pooling) in alignment with corporate treasury needs.

.Translate business objectives into BRDs, FSDs, process models, and API specifications for product and technology teams.

.Collaborate with stakeholders to enhance virtual account structures for automated reconciliation, beneficiary mapping, and client onboarding.

.Provide domain leadership on payment clearing systems (SWIFT, SEPA, Faster Payments, UPI, etc.) and their integration with VAM.

.Support the design and rollout of digital cash management products, ensuring compliance with regulatory and risk frameworks.

.Partner with solution architects to ensure seamless integration of VAM with core banking, ERP, and treasury platforms.

.Drive UAT strategy, test case validation, and production readiness reviews for new features.

Skills

.Experience as a Business Analyst / Product Owner in Payments / Transaction Banking / Cash Management with Proven expertise in Virtual Account Management (VAM) use cases - reconciliation, liquidity, virtual pooling, and client cash concentration.

.Strong knowledge of domestic and cross-border payment schemes (SWIFT, ACH, NEFT/RTGS, SEPA, Faster Payments, ISO 20022).

.Hands-on experience preparing detailed BRDs, FSDs, and integration specifications for large-scale banking initiatives.

.Familiarity with corporate treasury operations, ERP-bank integrations, and API-based connectivity.

.Exposure to regulatory compliance frameworks (AML, KYC, PSD2, data security in payments).

.Excellent communication, stakeholder management, and ability to engage with CXO-level stakeholders.