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BA - Payments

00067489048

Please Note :: Final interview will be F2F.

Location – Bangalore
Office location – Cognizant Neon Facility

Business Analyst – Payments, Trade Finance, Cash Management & Liquidity

Role Overview

We are seeking a detail-oriented and domain-savvy Business Analyst to support transformation initiatives in Payments (SWIFT, ISO 20022, real-time, cross-border), Trade Finance, and Cash Management & Liquidity. The Business Analyst will act as the bridge between business stakeholders and technology teams, ensuring requirements are clearly defined, solutions are aligned with business objectives, and regulatory compliance is maintained.

Key Responsibilities

Requirements Gathering & Analysis

Collaborate with business stakeholders to elicit, document, and validate requirements for payments, trade finance, and liquidity solutions.
Translate complex business needs into functional and technical specifications.
Conduct gap analysis between current processes and target state.

Payments Domain

Support initiatives in SWIFT messaging, ISO 20022 migration, real-time payments, and cross-border transactions.
Document workflows, data mapping, and compliance requirements for payment systems.
Assist in testing and validation of payment solutions.

Trade Finance

Analyze business processes related to trade finance instruments (letters of credit, guarantees, supply chain finance).
Support digitization and automation of trade finance operations.
Ensure solutions meet risk management and compliance standards.

Cash Management & Liquidity

Gather requirements for corporate cash management, liquidity optimization, and treasury services.
Document processes for real-time cash visibility and forecasting.
Support implementation of liquidity management tools.

Stakeholder Collaboration

Act as liaison between business units, technology teams, and external vendors.
Facilitate workshops, interviews, and requirement walkthroughs.
Ensure alignment of solutions with business goals and regulatory frameworks.

Risk & Compliance

Ensure requirements adhere to regulatory frameworks (AML, KYC, PSD2, Basel III).
Identify risks in requirements and proactively propose mitigation strategies.
Support audit and governance processes with clear documentation.

Qualifications

7–10 years of experience as a Business Analyst in banking or financial services.
Strong knowledge of payments (SWIFT, ISO 20022, real-time, cross-border).
Experience in trade finance processes and instruments.
Familiarity with cash management, liquidity solutions, and treasury operations.
Excellent analytical, documentation, and communication skills.
Experience working in Agile/SAFe environments preferred.
Certifications such as CBAP, CCBA, or Agile BA are a plus.

Key Competencies

Strong problem-solving and analytical skills.
Ability to translate business needs into clear technical requirements.
Deep understanding of financial products and regulatory frameworks.
Collaborative mindset with strong stakeholder management skills.
Attention to detail and ability to manage multiple priorities.

What we offer

  • The chance to work with impact. Here, you’re empowered to bring your biggest thinking to help our company and clients improve everyday life.
  • Ownership over your career. Stay at the top of your game through our award-winning learning and development ecosystem. And when your ambitions change or we offer new opportunities, we help you pivot by providing reskilling, on-the-job learning and guidance to find new roles that might be a better fit.
  • The opportunity to thrive on a high caliber team with heart. We celebrate each other’s experiences and perspectives and promote a sense of belonging through our affinity groups and diversity and inclusion initiatives.
  • A comprehensive total rewards package, including a competitive salary and a pension plan with matching contributions.
  • Flexible health and financial benefits to support you and your eligible dependents—from day one.
  • True work-life balance. Be at your best through paid time off, flexible work arrangements, volunteering opportunities, social events, and so much more.  

About us
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, building the bridge between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, realize tangible returns and keep global enterprises ahead in a fast-changing world. See how at www.cognizant.com or @cognizant.

Other employment-related information
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, provincial or local laws.

If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email [email protected] with your request and contact information.

Language requirements vary depending on roles, but we ask that all candidates have basic English proficiency for company-wide communications purposes. For roles based in Quebec, professional English proficiency is required, as you’ll deliver services to and collaborate with stakeholders outside the province who may not speak French.

Your path to Cognizant

Wondering what to expect after you apply? Here’s a peek at our recruitment process—and keep in mind that not all candidates advance through every step and the process may vary depending on your role and location.

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Step 1: Application

Find an open role that aligns with your skills and career goals and show us why you’re the person for the job. Consider joining our Talent Community if you don’t find the right opportunity.

Phone Call Midnight Blue RGB

Step 2: Recruiter call

If one of our recruiters sees a fit, they’ll set up a short introductory call to learn more about you and how your experiences and skills align with the role.

Step 3: Interview(s)

If you and our team would like to continue the process, you’ll meet with one of our hiring managers. Some roles may also require technical assessments and/or client interviews.

Step 4: Final decision

Our hiring team will then review each candidates’ potential to succeed in the role. This process may take some time because we want to get it right—but you can count on us to keep you updated.

Benefits that help you thrive and grow

Our teams achieve incredible things when they feel fully supported. That’s why our benefits program is built around the diverse needs of our people—so they can enjoy a fulfilling, balanced and healthy life.

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Financial wellbeing

Financial wellbeing

We regularly review market data to ensure compensation is competitive and reflects the value you bring. Your benefits extend beyond pay and may include retirement plans, financial education, discount programs, etc.

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Physical and mental wellbeing

Physical and mental wellbeing

We empower you to prioritize your wellbeing through paid time off, flexible working where possible, healthcare plans, counselling, our Mental Health Allyship program and more. 

Your Career, Your Way
Your career, your way

Your career, your way

With 90% of our associates building skills through GenAI training, job shadowing, industry certifications and more, you have everything you need to build a full career.

Professionals
Real-world impact

Real-world impact

Think about the biggest brands you rely on. Chances are, they rely on us to help strengthen their business. Here, you’ll turn bold ideas into solutions that improve lives everywhere.

02.2026 Superlearner Debashish
"Cognizant has one of the best learning ecosystems you can ask for. From sponsored certifications to training platforms to mentorship, we have all that we need to grow.”
Debashish Mishra SAP MM Developer
Laura Reynaud
"Cognizant offers me more than a job; it offers a community. We support each other, collaborate across borders and celebrate wins together. If you’re looking for a culture that values flexibility, diversity and growth, this is the place to be."
Laura Reynaud Lead Counsel
Lucas Hoffman
“I’ve had the chance to work on impactful projects and shadow colleagues, all while getting involved in internal initiatives. The world is your oyster at Cognizant—you just need to take advantage of it!”
Lucas Hoffman Consultant
Sujatha’S Journey Main
“When I first joined, I was quiet and hesitant to share my thoughts. The leadership programs and the mentoring I’ve received have helped me find my voice and grow as a leader.”
Sujatha Gopalakrishnan Portfolio Delivery Lead
Paulo Miguel Epili Main
"Nobody here says ‘that’s not my job.’ People just help. That’s the entrepreneurial culture that makes me stay at Cognizant.”
Paulo Miguel Epili Sr. Process Executive

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