Sr. Payments Engineer - (SWIFT & TCS BaNCS)

About this role

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. Requirements Key Responsibilities Design, develop, and support enterprise payment solutions using SWIFT and TCS BaNCS Payments. Analyze, enhance, and optimize payment processing workflows for high-volume banking transactions. Support end-to-end payment processing across domestic and international payment systems. Manage inward and outward Telegraphic Transfer (TT) payments and remittance confirmations. Perform payment reconciliation and ensure transaction accuracy across payment systems. Develop, maintain, and support payment interfaces between core banking systems and external payment networks. Integrate third-party payment gateways, APIs, and banking services. Configure and support SWIFT payment interfaces and payment routing solutions. Work closely with business users to understand payment requirements and translate them into technical solutions. Support production incidents, root cause analysis, issue resolution, and payment monitoring. Ensure compliance with banking regulations, payment standards, and internal security policies. Participate in Agile ceremonies including sprint planning, backlog grooming, stand-ups, and retrospectives. Collaborate with Product Owners, Business Analysts, Architects, QA teams, and Operations to deliver high-quality payment solutions. Prepare technical documentation, solution designs, and implementation guides. Support payment modernization and digital transformation initiatives. Required Technical Skills Strong hands-on experience with SWIFT Payments . Strong experience working on TCS BaNCS Payments platform. Expertise in payment processing and payment lifecycle management. Experience handling: TT Payments Inward Payments Outward Payments Remittance Processing Payment Reconciliation Strong understanding of: SWIFT MT Message Formats ISO 20022 Payment Messaging Payment Validation Payment Routing Experience integrating payment systems with: Third-party APIs Payment Gateways External Banking Systems Strong understanding of REST APIs and enterprise integrations. Experience working with enterprise banking applications and payment platforms. Good understanding of SQL and database concepts. Experience with production support, incident management, and troubleshooting. Knowledge of SDLC, Agile, and software engineering best practices. Functional Knowledge Strong understanding of: Domestic Payments International Payments SWIFT Network Cross-border Payments Telegraphic Transfer (TT) Remittance Processing Payment Investigation Payment Reconciliation Payment Compliance Settlement Processes Banking Payment Operations Required Competencies Strong analytical and problem-solving skills. Excellent stakeholder management and communication skills. Ability to work effectively with Business, Operations, and Technology teams. Strong ownership mindset with focus on delivery quality and operational excellence. Ability to manage multiple priorities in fast-paced banking environments. Strong troubleshooting and production support capability. Experience working within Agile delivery teams. Preferred Domain Experience Banking Financial Services Payments Core Banking Digital Banking Nice to Have Experience with payment switches and enterprise payment hubs. Exposure to RTGS, ACH, Instant Payments, or Cross-border Payments. Experience with payment modernization initiatives. Knowledge of API-based payment architectures. Experience with cloud-native payment platforms. Understanding of regulatory and compliance requirements for banking payments. Exposure to DevOps and CI/CD practices.