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Business Analyst - Payments

Matterway

Matterway

IT
Madrid, Spain · Bengaluru, Karnataka, India
Posted on Mar 16, 2026

Please Note :: Final interview will be F2F.

Location – Bangalore
Shift Timing – US Shift (6:30 PM to 4:30 AM IST)
Notice Period - Immediate Joiner

Business Analyst – Payments, Trade Finance, Cash Management & Liquidity

Role Overview

We are seeking a detail-oriented and domain-savvy Business Analyst to support transformation initiatives in Payments (SWIFT, ISO 20022, real-time, cross-border), Trade Finance, and Cash Management & Liquidity. The Business Analyst will act as the bridge between business stakeholders and technology teams, ensuring requirements are clearly defined, solutions are aligned with business objectives, and regulatory compliance is maintained.

Key Responsibilities

Requirements Gathering & Analysis

Collaborate with business stakeholders to elicit, document, and validate requirements for payments, trade finance, and liquidity solutions.
Translate complex business needs into functional and technical specifications.
Conduct gap analysis between current processes and target state.

Payments Domain

Support initiatives in SWIFT messaging, ISO 20022 migration, real-time payments, and cross-border transactions.
Document workflows, data mapping, and compliance requirements for payment systems.
Assist in testing and validation of payment solutions.

Trade Finance

Analyze business processes related to trade finance instruments (letters of credit, guarantees, supply chain finance).
Support digitization and automation of trade finance operations.
Ensure solutions meet risk management and compliance standards.

Cash Management & Liquidity

Gather requirements for corporate cash management, liquidity optimization, and treasury services.
Document processes for real-time cash visibility and forecasting.
Support implementation of liquidity management tools.

Stakeholder Collaboration

Act as liaison between business units, technology teams, and external vendors.
Facilitate workshops, interviews, and requirement walkthroughs.
Ensure alignment of solutions with business goals and regulatory frameworks.

Risk & Compliance

Ensure requirements adhere to regulatory frameworks (AML, KYC, PSD2, Basel III).
Identify risks in requirements and proactively propose mitigation strategies.
Support audit and governance processes with clear documentation.

Qualifications

7–10 years of experience as a Business Analyst in banking or financial services.
Strong knowledge of payments (SWIFT, ISO 20022, real-time, cross-border).
Experience in trade finance processes and instruments.
Familiarity with cash management, liquidity solutions, and treasury operations.
Excellent analytical, documentation, and communication skills.
Experience working in Agile/SAFe environments preferred.
Certifications such as CBAP, CCBA, or Agile BA are a plus.

Key Competencies

Strong problem-solving and analytical skills.
Ability to translate business needs into clear technical requirements.
Deep understanding of financial products and regulatory frameworks.
Collaborative mindset with strong stakeholder management skills.
Attention to detail and ability to manage multiple priorities.


The Cognizant community:
We are a high caliber team who appreciate and support one another. Our people uphold an energetic, collaborative and inclusive workplace where everyone can thrive.

  • Cognizant is a global community with more than 300,000 associates around the world.
  • We don’t just dream of a better way – we make it happen.
  • We take care of our people, clients, company, communities and climate by doing what’s right.
  • We foster an innovative environment where you can build the career path that’s right for you.

About us:
Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant (a member of the NASDAQ-100 and one of Forbes World’s Best Employers 2025) is consistently listed among the most admired companies in the world. Learn how Cognizant helps clients lead with digital at www.cognizant.com

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.

Disclaimer:
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.