6+ Payment systems Jobs in India

Company: IndusInd Bank 

About the company:

IndusInd Bank, which commenced operations in 1994, caters to the needs of both consumer and corporate customers. Its technology platform supports multi-channel delivery capabilities. As on March 31, 2022, IndusInd Bank has 2,265 Branches / Banking Outlet and 2,767 ATMs spread across 776 geographical locations of the country. The Bank also has representative offices in London, Dubai and Abu Dhabi. The Bank believes in driving its business through technology. It enjoys clearing bank status for both major stock exchanges - BSE and NSE - and major commodity exchanges in the country, including MCX, NCDEX and NMCE.

Role Overview:

As a Senior Full Stack Developer with React, you will be responsible for architecting, developing, and maintaining scalable backend services and user-friendly frontend interfaces. You will collaborate closely with cross-functional teams to deliver high-quality software solutions that meet our business goals and client needs. Your expertise will be vital in guiding the technical direction of our projects and mentoring junior developers.

Job Description

Job Title: Techno - Functional Project Manager

Location: Mumbai

Compensation: Up to 22 LPA, commensurate with experience

Experience: 5+ Years

Qualification- B.E /B.Tech in Computer Science or M.E/M.Tech in Computer Science

Key Responsibilities:

1. Strong Technical experience in Node/ Nest JS & React native/Java  and oracle/ MY SQL
2. Should have worked in BFSI preferably banking domain
3. Should have handled large or complex projects and should be able to manage multiple project track activities independently
4. Experience in mobile native apps /web development as well as should have strong problem solving skills.
5. Strong analytical capabilities as well should have some experience on measuring performance of application at design stage.
6. Should have hands on experience on mobile apps and web apps development and designing skills.
7. Vendor management and should be capable of designing API specification and application functional flow.
8. Should have hands on experience on SQL/ oracle db queries and db design. Experience on AWS/Azure Cloud would be an added advantage.

OBJECTIVE :

- The Product Development team within PayMate works with business to establish the overall strategy and priorities for the products and platforms. Based on the business strategy and overall priorities, the Product Development team creates product plan, including high level business requirements, solution designs, benefits definition and aligns with overall go to market rollout plan.

- We are looking to hire Product Managers with Payments background and Supply Chain Finance experience. You will engage existing and potential customers directly, and decide the future of the product based upon a strong understanding of the customer requirements. You will also collaborate with technology, marketing, sales and support to solve for the best customer experience.

- The candidate should be willing to accept a dynamic and multi-faceted role requiring to work across several teams and even geographies, while working with the core management team on the best way forward to help achieve our collective goals.

KEY RESPONSIBILITIES :

- Build a scalable Payments Automation System

- Meet regularly with key customer facing teams to collect and analyse user feedback to shape new product ideas and user requirements.

- Implements usage tracking and analyse patterns to validate new feature requirement.

- Have strong solution skills in translating customer needs to product functionalities.

- Convert ideas to prototypes and demonstrate them to the key partners.

- Stay on top of the market and competition.

- Act like an owner for the success of your product.

- Will be responsible for the end to end product roadmap from features creation, prioritization, go live, onboarding process streamlining.

- Responsible for regular running of solutions and products - monitoring success through revenue

- Maintain communication among and between stakeholders - interacting with business managers to ideate the requirements , work with the technology teams to implement the solutions

- Collaborate and work with various internal departments and external vendors in the launch and implementation of the processing platform for specific clients in the specific markets and regions. This involves working with the technical teams for roadmap, feature and release management

- Definition of platform features include creating detailed user and process flows

- technical level designs and algorithms to satisfy the feature requirements

- Working with clients to define business requirements from the high level down to the detailed levels.

- Work with the technical development teams to review the solution and technical designs with an understanding of how the solution impacts the overall platform architecture

- Work with the technical testing teams to review the test cases and testing to ensure newly defined platform features are properly tested

- Some platform features require the development of new APIs for which field level designs are required.

- Collaborate and work closely with our external processing partners and vendors in the launch and implementation of the processing platform for all markets and regions.

- Work with our processing partners to ensure the card processor's platform has features that are needed for the specific markets in question and where there are gaps to draft up the solution in conjunction with our partners and have that delivered in a timely manner

- This role would require the person to work across geographies, time zones, cultures and competencies as well as internal teams who might not be very familiar with global payments & its intricacies

- Be willing to get your hands dirty - from writing feature stories, drawing swim lane diagrams to running sprint meetings, you will do it all

- You would be required to articulate & justify your vision & strategy behind you roadmap to domain experts & leaders again & again in a crowded & evolving payment stage

- Dealing with engineers & architects to design new flows, adapt systems to new market innovations while maintaining integrity & scalability of the platform is vital

PREVIOUS EXPERIENCE :

- 5-7 years of experience in product management with 3 or more years in Payments background

- Strong customer centricity

- Ability to think creative and solve problem

- Familiarity in agile development framework will be preferable.

- Prior experience at fast growing fintech / B2B startups will be preferable

- Highly adaptable and aware. Comfortable in an evolving and dynamic environment.

- Good networker: persuasive with excellent interpersonal skills.

- You are comfortable working hands-on in a fast-paced start-up environment

- Problem-solving and detail orientation come naturally to you.

- Worked with banking & payments partners

- An engineering degree (a management degree is a bonus, not mandatory)

- Formal product management training - good to have

- Knowledge of Product Management tools like Trello, JIRA, Figma, MS Projects, Postman, etc.

• Hands-on expertise in managing technical teams and work closely with business stakeholders
• Should be familiar with card testing and POS ecosystem.
• Experience with designing APIs and building platform integrations in Commerce, POS, FinTech and Payments
• Payment’s domain experience.
• Extensive experience on Base24 & SWITCH part for payment format.
• Exposure on ISO8583 Messaging system.
• API understanding and creation.
• Working knowledge on cryptographic algorithms (RSA, EC, AES, SHA variants), TLS/SSL protocols. C Symetric and A symetrics, K.M.S.
• Digital Payments technical knowledge - QR/ POS/ UPI/ BQR
• Understanding of CI/CD pipelines, Kubernetes, containerization, Docker
• Must have strong technical skills in Android APK and iOS development Concept and Web services.
• Supportability, monitoring, ops in general.
• Accurate cost models to deploy and operate
• Extensive experience in TLOG’s, data integration with downstream applications, and impact of POS changes on different financial, legal, compliance, loss prevention, etc. applications.
• Extensive experience with payment systems 7861 (EMV, payment middleware, encryption, tokenization, settlement, offline scenarios,).
• Extensive experience with different types of payment methods including credit, debit, gift cards (Both closed loop and open loop), PLCC, PayPal, AliPay, checks, etc. as well as different payment form factors like Tap N Go, contactless, swipe, EMV, Mobile, etc.
• Extensive experience with payment devices (pin pads, printers, registers, scanners).
• Experience in Node.js / Java / Python, building REST APIs, with experience/exposure to front end stack like JavaScript & React / Angular. 
• Experience with Storage systems - RDBMS, NoSQL (Cassandra/MongoDB), Redis/Memcache/Aerospike.
• Experience in messaging tools like Kafka/AWS Kinesis etc...
• Design expertise for performance, scalability, fault tolerance and high availability

• Experience with POS systems and Payments domain.
• Demonstrated experience for systems architecture, design, and integration for POS systems
• Java and/or Node.js. Experience building micro services (REST APIs) using Node.js
• Experience with one or more RDBMS databases like MySql, PostGreSQL
• Experience with one or more NoSQL databses like MongoDB, Cassandra, DynamoDB, Aerospike, Elastic Search, Redis, neo4j etc.,
• Caching technologies like: Redis, Elasticache,
• Cloud Providers like: AWS/ Google Cloud / Azure
• CI / CD : Jenkins, Docker, Kubernete
  

Technical skills required: 

• 5+ years building enterprise systems 
• Worked on one or more large scale applications on Python Django
• Good understanding of distributed systems, scalability, and availability with an understanding of the CAP theorem and its implications for real-world distributed systems
• Understanding of distributed systems like Dynamo, HBase, various messaging and queuing systems and understanding of Time, Clocks, and Ordering of Events, rate control, load distribution
• Good knowledge of one or more relational and NoSQL databases and transactions Shrewd focus on latency and throughput of services
• In-depth understanding of concurrency, synchronization, NIO, memory allocation, and GC
• Experience with IaaS clouds like AWS/Google Cloud, Azure, OpenStack etc. 
• Experience in working with Message Brokers and Application Containers
• Ability to detect fraud and risk mitigation

Responsibilities:

• Code reviews, ensuring that the code follows the best technical practices and design patterns
• Follow best technical practices, incorporate emerging solutions, and employ scalable designs that can be easily adopted
• Architect solutions by mapping customer business problems to end-to-end technology solutions
• Experience in working with Agile Methodology
• Regular monitoring and audits of the cloud infrastructure
• Managing System monitoring tools and developing processes for handling crisis situations
• Managing the development team and the support team. Setting processes that will increase the team’s efficiency
• Handling technical and managerial interviews for expansion of the team

Qualification and experience:

• B.E/B.Tech/M.E./M.Tech/M.S.
• 5+ years of experience  working as a full stack engineer with a track record of delivering scalable products
• FinTech experience with Prepaid payment instruments and UPI experience is a big plus
• Machine learning experience would be preferable

The role is responsible for building a vertical payments experience across all the payments for a Vehicle. All users are from cities in tier 2/3/4 who are mobile-first and have close to no exposure to digital payments

BlackBuck will be building a network of merchants across multiple categories and will be driving payments via in-house payment solutions and 3rd party integrations

• Own the strategic vision and product roadmap
• Create a clear career path for your managers and the team beneath. Nurture and grow them with regular and deep
• Contribute to product strategy, manage business goals and develop teams
• Define simple and easy to use digital payments experience for tier 2/3/4 customers
• Define user stories for end-to-end features
• Regularly coordinate with multiple 3rd parties for integrations
• Work closely with engineering teams and design teams to deliver the product to market on timelines
• Define metrics to measure the health and success of all features

• Have an entrepreneurial spirit and possess a total of 7 -8 years of experience and spent at least 4-5 years in product management of which must have spent at least 2 years in Indian payment ecosystem and a track record of creating innovative solutions
• Demonstrated success as product manager for large-scale consumer-facing products