CL, Product Specialist - Cards, Domain Delivery Full-time Job

JOB SUMMARY

• This role could be based in India and China. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.
• Cards Product Specialist role will be responsible for driving the development and growth of our ATM Switch and Cards products, including credit cards and debit cards. You will work closely with our product management, engineering, and design teams to deliver innovative and customer-centric card products that meet the evolving needs of our customers.

RESPONSIBILITIES

• Oversees the execution of functional standards and best practices and provide technical assistance to the members of their Chapter.
• The role will be responsible for handling the Project Delivery for the ATM/CDM/CRM, Switching, Cards, Agency Banking, Settlement/Clearing and Payment domain.
• Co-own the requirements with the Product Owner and own the solution
• Be a go-to person for all stakeholders for all product queries & solution
• Responsible for developing project plans, define project scope, tracking and monitoring the projects from inception to closure, must adhere to groups standards and controls for successful delivery.
• Ability to Identifying and managing risks, including developing contingency plans to mitigate potential issues.
• Assist the production support team to determine functional root cause of defects in production system, and suggest suitable functional solution
• Collaborate with clients and stakeholders to gather and analyze business requirements, processes, and goals to determine the appropriate solution and configuration needed to meet their needs
• Drive awareness of requirement & solution across squad members, & other stakeholders like UAT users
• Lead or support the implementation and deployment of solutions, working closely with teams, technical consultants, and partners to ensure successful and value delivery
• Continuously monitor and optimise solutions to improve performance, usability, and efficiency proactively identifying opportunities for enhancements and recommending best practices according to industry standards
• Communicate regularly with customers, teams, and stakeholders to align on product delivery, gather feedback, and manage expectations, building and maintaining positive relationships to ensure customer satisfaction and value delivery
• Collaborate with internal and external vendors for handling SST, Switching/Debit/Credit Host new implementation/migration projects, Card Issuance Management & Authorization (Debit/Credit), EFT Payment Solutions & end-to-end project management.
• Adept in Emerging Payments products such as OEM Wallets, QR Code Payment, EMV Contactless/MasterPass/VCO, Onus/Issuer/Acquirer Transaction Processing, Settlement, Billing, Dispute Management and Fraud/Risk Management.
• Develop and implement strategies to streamline card onboarding processes, ensuring seamless customer experience.
• Oversee card embossing processes, ensuring secure and efficient card personalization and issuance.
• Create and manage rewards programs that drive customer engagement and loyalty.
• Develop and implement clear and concise statement designs that enable customers to easily manage their accounts.

Other Responsibilities

• Embed Here for Good and Groups brand and values in the team
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Qualification

Requirements & Skills

• Bachelor's degree in computer science, Software Engineering, Information Technology, or a related field (or equivalent experience)
• 10 years of experience in implementing, customising, and supporting SST, Credit cards, Debit Cards, and Payments domain.
• 5+ years of experience in the payments industry, preferably in cards product management
• Strong understanding of SST, Switching, Debit Cards, Agency Banking and Payments architecture, functionality, and capabilities, with hands-on experience in solution design, configuration, customisation, and integration.
• Strong understanding of the credit card industry, including regulations and industry trends
• High proficiency in at least two of the modules - SST, Debit Cards, and Payments Core modules.
• Knowledge about APIs (SOAP, JSON, REST, ETC) and Web Service Integration.
• Knowledge about Back Office integration.
• Knowledge about HSM protocols and configuration, Knowledge about encryption Keys/Cryptography both symmetric and asymmetric keys, 3DES, AES, SM4, SHA.
• Familiarity with Visa, MC, UPI, Domestic scheme, EMV technologies and standards, and PCI DSS and PA DSS standards.
• Familiarity with Contact and Contactless technologies, Familiarity with 3DS and Tokenization standards.
• Experience with an EFT transaction switching or on-line banking environment.
• Hands-on experience with automated test tools and simulators.
• Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be an added Advantage.
• Strong design and programming knowledge on Unix/Linux environment, Unix Shell Scripting
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• Ability to manage priorities and deadlines in a fast-paced, dynamic environment and drive successful product delivery
• Analytical and problem-solving skills, with the ability to analyse complex business requirements, identify root causes of issues, and develop practical solutions to address customer needs and challenges
• Customer-centric mindset with a passion for delivering high-quality solutions that meet or exceed customer expectations and drive business value
• Ability to work independently and collaboratively in a team environment, fostering a culture of collaboration, knowledge sharing, and continuous improvement
• Strong communication skills and ability to collaborate effectively with internal stakeholders, external partners, auditors, and regulators.

Role Specific Technical Competencies

• Knowledge of ATM/POS switching, Debit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards
• Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
• Experience with an EFT transaction switching and processing.
• Familiarity on PCI DSS and PA DSS compliance requirements
• Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
• Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be a added Advantage
• Experience in Web Service integration and APIs
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• Excellent in preparing the Solution Architecture document, Functional and technical spec
• Excellent problem-solving, team, and time management skills.

Role: Technical Architect

Industry Type: Banking

Department: Engineering - Software & QA

Employment Type: Full Time, Permanent

Role Category: Software Development

Education

UG: B.Sc in Any Specialization, BCA in Any Specialization, B.Tech/B.E. in Any Specialization

PG: MCM in Any Specialization, MS/M.Sc(Science) in Any Specialization, MCA in Any Specialization, M.Tech in Any Specialization, PG Diploma in Any Specialization.

Standard Chartered GBS, a wholly owned subsidiary of Standard Chartered Bank, UK, is an integral part of the Bank's strategy to consolidate and rationalise operations into Shared Services Centres. This is an ambitious project that the Bank undertook and today Standard Chartered GBS services all 56 countries of the Standard Chartered Group processing over 80 million transactions a year.
The facility in Chennai is one of two hubs that the Bank has set up, the other being in Kuala Lumpur. Standard Chartered GBS has today emerged as one of the top captive banking back offices in India for international companies.