AVP - IT Tech Analyst MMS

An Opportunity to Work with One of India's Leading Credit Card Tech Innovators BOBCARD (A Bank of Baroda Subsidiary)

Education:

Experience:

Location:

**Domain:

As an Assistant Vice President (MMS - Project Management), you will lead the end-to-end project management of merchant management services, ensuring seamless onboarding, integration, and optimization of merchant payment solutions. You will drive strategic initiatives in digital payments, fraud prevention, and transaction processing while ensuring compliance with RBI, PCI-DSS, and data security standards. This role requires strong leadership, technical expertise, and a deep understanding of the merchant acquiring ecosystem.

Minimum Experience:

• 10+ years of experience in cross-border payments and international merchant settlement.
• Familiarity with blockchain for secure merchant transactions.
• Exposure to low-code/no-code platforms for rapid merchant onboarding.
• Knowledge of AI-powered credit scoring for merchant risk profiling

Applicants should possess the following attributes:

Project Management & Agile Frameworks:

• Agile, Scrum, Kanban, SAFe methodologies
• Project tracking tools: JIRA, Confluence, Trello
• Stakeholder reporting and governance frameworks

Merchant Payment Solutions & Digital Banking:

• Experience with credit card transaction processing, UPI, POS systems, and payment gateways
• Understanding of merchant onboarding, settlement, and reconciliation processes
• Exposure to Open Banking APIs and embedded finance for merchants

Data Analytics & AI Integration:

• AI-driven merchant segmentation, transaction analytics, and fraud detection
• Real-time monitoring tools: Google BigQuery, Tableau, Power BI
• A/B testing for merchant engagement optimization

Security & Compliance:

• API Security (OAuth, OpenID, JWT)
• Compliance with PCI-DSS, RBI IT Security Guidelines, GDPR
• Fraud detection techniques using machine learning and AI-driven risk scoring

Roles & Responsibilities:

Merchant Management & Digital Payments Strategy:

• Develop and execute the merchant management roadmap, focusing on digital payments, omnichannel commerce, and secure transactions.
• Drive merchant onboarding automation, ensuring smooth integration with credit card payment systems, UPI, BNPL, and other digital payment modes.
• Collaborate with business, IT, and regulatory teams to enhance merchant settlement, chargeback handling, and fraud prevention measures.

Project Management & Agile Execution:

• Lead cross-functional teams (engineering, compliance, risk, and operations) to deliver high-impact merchant payment solutions.
• Ensure timely execution of projects using Agile, Scrum, and Kanban methodologies.
• Define and track project KPIs, ensuring alignment with business growth and customer satisfaction metrics.

Merchant Experience & Innovation:

• Implement AI-driven merchant analytics for transaction insights, fraud detection, and personalized offerings.
• Optimize the merchant journey by enhancing self-service capabilities, onboarding automation, and real-time dispute resolution.
• Drive innovation in contactless payments, tokenization, and embedded finance solutions.

Risk, Compliance & Security:

• Ensure compliance with RBI guidelines, PCI-DSS, GDPR, and data privacy regulations.
• Work closely with fraud detection and risk management teams to mitigate merchant-related risks.
• Implement secure authentication mechanisms (OAuth, OpenID, tokenization, and biometric verification).

Interested candidates can also apply via our careers page: https://bobcard.turbohire.co/job/publicjobs/u0SQatN_1Fxketd5ecVRDPkToIQ6%2FKyWxgBuDqUGlawPb0SCA7vcq1AAhR9DxiY0