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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.

About Cognizant: 
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap 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, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.

Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.

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, state 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.

Benefits that help you thrive and grow

Our benefits program is built with you in mind—so you can enjoy a fulfilling, balanced and healthy life.

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Financial wellbeing

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

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Physical and mental health

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. 

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Your career, your way

With 350,000+ roles at Cognizant, you’ll have opportunities explore new technologies, industries and locations—and build the skills you need to grow your career.

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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.

Your path to Cognizant

Here’s what you can expect from our hiring process. Please keep in mind that it may vary by role and location. Explore our FAQs to learn more.

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Step 1: Apply to the right opportunity

Find an open role that matches your skills and career goals and show us why you’re the person for the job. Don’t see the right opportunity? Consider joining our Talent Community.

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Step 2: Connect with your recruiter

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

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Step 3: Show off your skills

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

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Step 4: Decision time

Our team will then review each candidates’ potential to succeed in the role. This step may take some time because we want to find the right fit for both you and us—but you can count on us to keep you updated.

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My journey has run parallel to Cognizant’s. When I joined, we were a $1B company with 20,000 people. Today we’re at $20B with 350,000 people. And yet the same sense of belonging has grown stronger.
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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.
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