Sr. Payments Engineer - (SWIFT & TCS BaNCS)

We are looking for an experienced Senior Product Engineer with strong expertise in SWIFT Payments and TCS BaNCS Payments to support enterprise payment platform initiatives within Business Platforms & Payments. The ideal candidate should possess strong experience in payment processing, SWIFT messaging, remittance operations, payment lifecycle management, and enterprise banking integrations.The role requires a strong understanding of domestic and international payment processing, payment messaging standards, banking operations, and modern payment platforms within large-scale banking environments.RequirementsKey ResponsibilitiesDesign, develop, and support enterprise payment solutions using SWIFT and TCS BaNCS PaymentsAnalyze, enhance, and optimize payment processing workflows for high-volume banking transactionsSupport end-to-end payment processing across domestic and international payment systemsManage inward and outward Telegraphic Transfer (TT) payments and remittance confirmationsPerform payment reconciliation and ensure transaction accuracy across payment systemsDevelop, maintain, and support payment interfaces between core banking systems and external payment networksIntegrate third-party payment gateways, APIs, and banking servicesConfigure and support SWIFT payment interfaces and payment routing solutionsWork closely with business users to understand payment requirements and translate them into technical solutionsSupport production incidents, root cause analysis, issue resolution, and payment monitoringEnsure compliance with banking regulations, payment standards, and internal security policiesParticipate in Agile ceremonies including sprint planning, backlog grooming, stand-ups, and retrospectivesCollaborate with Product Owners, Business Analysts, Architects, QA teams, and Operations to deliver high-quality payment solutionsPrepare technical documentation, solution designs, and implementation guidesSupport payment modernization and digital transformation initiativesRequired Technical SkillsStrong hands-on experience with SWIFT PaymentsStrong experience working on TCS BaNCS Payments platformExpertise in payment processing and payment lifecycle managementExperience handling:TT PaymentsInward PaymentsOutward PaymentsRemittance ProcessingPayment ReconciliationStrong understanding of:SWIFT MT Message FormatsISO 20022 Payment MessagingPayment ValidationPayment RoutingExperience integrating payment systems with:Third-party APIsPayment GatewaysExternal Banking SystemsStrong understanding of REST APIs and enterprise integrationsExperience working with enterprise banking applications and payment platformsGood understanding of SQL and database conceptsExperience with production support, incident management, and troubleshootingKnowledge of SDLC, Agile, and software engineering best practicesFunctional KnowledgeStrong understanding of:Domestic PaymentsInternational PaymentsSWIFT NetworkCross-border PaymentsTelegraphic Transfer (TT)Remittance ProcessingPayment InvestigationPayment ReconciliationPayment ComplianceSettlement ProcessesBanking Payment OperationsRequired CompetenciesStrong analytical and problem-solving skillsExcellent stakeholder management and communication skillsAbility to work effectively with Business, Operations, and Technology teamsStrong ownership mindset with focus on delivery quality and operational excellenceAbility to manage multiple priorities in fast-paced banking environmentsStrong troubleshooting and production support capabilityExperience working within Agile delivery teamsPreferred Domain ExperienceBankingFinancial ServicesPaymentsCore BankingDigital BankingNice to HaveExperience with payment switches and enterprise payment hubsExposure to RTGS, ACH, Instant Payments, or Cross-border PaymentsExperience with payment modernization initiativesKnowledge of API-based payment architecturesExperience with cloud-native payment platformsUnderstanding of regulatory and compliance requirements for banking paymentsExposure to DevOps and CI/CD practices