Payment Business Analyst (Travel Payments)

• Manage and optimize payment processing systems for travel-related transactions.
• Design and implement secure payment solutions for airlines, hotels, OTAs, travel agencies, and travel technology platforms.
• Analyze and improve end-to-end payment flows, authorization, settlement, reconciliation, and reporting processes.
• Ensure compliance with payment industry regulations and security standards.
• Collaborate with business stakeholders, payment providers, acquiring banks, and third-party vendors.

• Strong understanding of:
• Card Payment Lifecycle (Authorization, Clearing, Settlement, Chargeback)
• Settlement Lifecycle
• Payment Reconciliation
• Refund Processing
• Disputes and Chargebacks
• Cross-border Payments
• Merchant Acquiring and Issuing Processes
• Virtual Card Solutions
• Payment Gateway Integrations

• Working knowledge of:
• SWIFT MT and MX Messaging Standards
• ISO 20022
• SEPA (Single Euro Payments Area)
• ANSI X12
• EDIFACT
• Banking and Financial Messaging Standards
• International Payment and Settlement Mechanisms

• Design, consume, and test APIs for payment integrations.
• Work with REST and SOAP web services.
• Handle message formats including:
• JSON
• XML
• Use tools such as:
• Postman
• Swagger/OpenAPI

• Perform payment transaction analysis and troubleshooting.
• Work with databases for querying and validating payment transactions.
• Support integration testing and UAT activities.
• Prepare technical documentation, API specifications, and solution designs.

• Payment Processing
• Payment Gateways
• Virtual Cards
• Card Payments
• Settlement & Reconciliation
• Financial Services / Banking Domain
• Travel Industry Payments
• Airline Payments
• Cross Border Payments

• SWIFT MT/MX
• ISO 20022
• ANSI X12
• EDIFACT
• SEPA

• REST APIs
• SOAP Services
• JSON
• XML
• Postman
• Swagger/OpenAPI
• SQL / Any Relational Database

• VB / VB.NET knowledge.
• Experience with airline distribution, GDS, NDC, or travel payment platforms.
• Knowledge of PCI-DSS compliance.
• Experience working with payment processors, acquirers, issuers, and fintech platforms.
• Exposure to cloud-based payment solutions.

• Bachelor's degree in Computer Science, Information Technology, Finance, or related field.
• Payment certifications or banking domain certifications are a plus.
• Experience in the travel, airline, hospitality, or fintech industry preferred.

• Strong analytical and problem-solving skills.
• Excellent stakeholder management.
• Ability to work with global teams and payment providers.
• Strong communication and documentation skills.
• Ability to translate business requirements into scalable payment solutions.

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