Senior Techno-Functional Engineer – Credit Card

• Act as the subject matter expert for Credit Card products, processes, and system integrations.
• Define and validate business and integration requirements between card systems, core banking, channels, payment networks, collections, finance, CRM, and digital platforms.
• Support API, event-driven, and middleware integration design by providing card domain expertise.
• Analyze business requirements and translate them into functional specifications, process flows, and integration requirements.
• Support solution design reviews, impact assessments, data mapping, and interface specifications.
• Coordinate with business users, vendors, architects, and development teams to resolve functional and technical issues.
• Support SIT, UAT, migration, cutover, and post-production stabilization activities.
• Ensure compliance with card business rules, operational processes, regulatory requirements, and industry best practices.
• Assist in defining future-state card servicing, customer journeys, and integration strategies as part of the transformation roadmap.

Desired Candidate Profile

Required Experience / Knowledge Areas *

• 8-12 years of experience in Credit Card technology, cards operations, cards product management, or cards transformation programs.
• Strong knowledge of end-to-end Credit Card lifecycle including:

o Card Origination

o Card Issuance

o Authorization

o Billing & Statement Generation

o Payments & Collections

o Credit Limit Management

o Disputes & Chargebacks

o Rewards & Loyalty

o Fraud & Risk Controls

• Experience working with leading card management platforms such as VisionPLUS, PRIME, TSYS, Way4, PowerCARD, or equivalent.
• Strong understanding of card-related integrations with Core Banking, Digital Channels, Payment Switches, Visa, Mastercard, Finance, CRM, and Enterprise Data Platforms.
• Experience with APIs, middleware platforms, event-driven architecture, and modern integration patterns.
• Good understanding of Oracle Database, SQL, and data analysis concepts.

Prior experience in banking transformation, card modernization, or digital banking initiatives is highly desirable