Job Description

Experience: 10+ Years
Role: System Analyst

Key Skills:

. Open API, Microservices

. Java

Responsibilities:

Lead the technical analysis, microservices integration design, and end‑to‑end delivery of BI‑FAST Request for Payment (RFP), eMandate, and Direct Debit capabilities for Indonesia.
This role requires strong engineering expertise in API standards, microservices orchestration, event‑driven patterns, and reuse of existing platform components from previous projects.

Key Responsibilities

1. Technical Delivery & Systems Analysis

Own BI‑FAST RFP, eMandate and Direct Debit delivery across requirements → solution design → integration → testing → rollout.
Produce engineering‑ready specifications:
API specs (REST/JSON), OpenAPI/Swagger definitions
Microservices interface contracts, event schemas, callback payloads
Sequence diagrams, state machines, mapping specs, error models
Define end‑to‑end orchestration flows for:
RFP initiation, acceptance, expiry, rejection
Mandate lifecycle events
Direct Debit presentment, validation, debit and return
Specify robust pre‑processing logic:
Customer/account validation
Entitlement and authorisation checks
Funds availability
Fraud/AML/sanctions gating
Limits, thresholds, duplicate suppression
Idempotency, retry and timeout handling

2. API & Microservices Architecture

Define API and microservices designs using existing components from previous builds:
Payment initiation microservices
Validation & entitlement services
Fraud/AML adapters
Core banking and ledger integration patterns
Reuse existing:
API standards (naming conventions, response structures, error formats)
Security models (OAuth2/JWT, mTLS, signature validation)
Eventing patterns (Kafka topics, event schemas, DLQ handling)
Common libraries for logging, telemetry, utility functions
Ensure microservices follow engineering principles:
Loose coupling, clear domain boundaries
Async event‑driven integration where applicable
High availability and horizontal scalability
Observability (structured logs, metrics, tracing)

3. User Journeys, Entitlements & Authorisation

Define user journeys for:
RFP initiation (corporate/merchant)
RFP acceptance (retail/corporate)
Mandate creation and management
Direct Debit debit and return flows
Align journeys with entitlements and auth rules:
Per‑transaction and daily limits
Maker‑checker workflows for corporates
Channel‑specific access rights
Coordinate with channel teams to maintain parity across Mobile, Internet Banking, H2H and API Banking.

4. Integration & Platform Engineering

Design integration between:
Payment Hub / RFP Orchestrator
BI‑FAST gateway
Mandate / Direct Debit engines
Core banking, ledger, AML, fraud
Use existing microservices blueprints for:
Error propagation and code mapping
Schema validation and transformation
Event lifecycle management
Callback patterns and async updates

5. Scheme, Regulatory & Risk Alignment

Translate BI‑FAST RFP, eMandate and Direct Debit scheme rules into:
Validation rules
Reason code mappings
Reversal/return workflows
Embed mandatory controls:
AML/CFT & sanctions
Fraud monitoring
Non‑repudiation and evidence capture
TRM, cybersecurity and audit trail requirements

6. Testing, Deployment & Operational Readiness

Lead SIT/UAT/E2E test scenario design for:
RFP → acceptance → settlement flows
Mandate lifecycle
Direct Debit presentment/return/dispute cases
Timeouts, retries, negative tests
Work with Engineering & Ops to ensure:
Monitoring dashboards and alerts
Reconciliation and exception queues
Runbooks for replay, retry and operational fixes
Support scheme certification and phased deployment.

Success Measures

High‑quality BI‑FAST RFP, eMandate and Direct Debit delivery with minimal defects.
Strong reuse of existing microservices, reducing build complexity and time‑to‑market.
High STP rates, stable performance and consistent low‑latency behaviour.
Clear, engineering‑ready specifications enabling smooth developer adoption.
Strong governance alignment across Product, Engineering, Operations and Risk.

Requirements:

Key Skills & Experience

7-12 years in payment systems analysis with experience in RFP, eMandate, Direct Debit, or similar.

Strong engineering/technical skills: