Manual Testing - UPI/Payments

JD – Manual Testing - Payments

Experience: 2-5 Years (Preferred)

Location: Mumbai / Chennai / Bengaluru

Required Skills:

• Strong understanding of Domestic Banking Payment Systems and International Banking Practices.
• Hands-on experience with domestic payment channels including:
• NEFT (National Electronic Funds Transfer)
• RTGS (Real Time Gross Settlement)
• IMPS (P2P, P2A, A2A)
  
• UPI (Unified Payments Interface)
• Payment Gateways
• BillDesk
• SFMS (Structured Financial Messaging System)
• Good knowledge of SWIFT Messaging Standards and International Payments.
• Experience working with SWIFT MT message formats including:
• MT103 – Customer Credit Transfer
• MT202 – Financial Institution Transfer
• MT940 – Customer Statement Message
• MT942 – Interim Transaction Report
• MT111 – Request for Stop Payment

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• MT112 – Status of Request for Stop Payment
• Understanding of end-to-end payment processing lifecycle, reconciliation, settlements, and transaction monitoring.
• Ability to analyze business requirements and translate them into functional specifications.
• Experience working with Banking/Payments applications and stakeholders.
• Strong analytical, communication, and problem-solving skills.

Key Responsibilities:

• Gather, analyze, and document business requirements related to domestic and international payment systems.
• Support implementation and enhancement of payment processing solutions.
• Validate payment workflows, message formats, and transaction processing logic.
• Collaborate with business users, operations teams, and technology teams for requirement clarification and solution delivery.
• Ensure compliance with banking regulations, payment standards, and SWIFT messaging protocols.
• Participate in testing, UAT, defect resolution, and production support activities.
• Prepare functional documentation, process flows, and business requirement documents (BRDs).

Mandatory Skills: Payments, NEFT, RTGS, IMPS, UPI, SWIFT MT Messages, BillDesk, Payment Gateway, SFMS, International Payments.