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Salary
≈ $77k – $147k per year (Estimated)
Location
In office (Jersey City)
Seniority
Senior

Confirmed on the employer's own hiring board on Oct 30, 2026. First seen by Alion on Oct 20, 2026.

Overview
Company
Impact
Profile match
HCLTech is a major Indian multinational information technology (IT) services and consulting company headquartered in Noida, Uttar Pradesh. Spun off from the original HCL Group in 1991, it ranks as one of India's largest technology companies alongside firms like TCS, Infosys, and Wipro.

Job Summary

Job Description: Senior Payment Business Analyst & Product Owner (ISO 20022 / Partner Integrations)Position Title: Payment Business Analyst / Product OwnerDomain: Global Payments, Clearing & Settlement, Core Banking Integrations

Key Responsibilities

Core ResponsibilitiesA. ISO 20022 Data Mapping & Message Specification

  • Message Mapping & Translation: Define source-to-target mapping specifications (STMs) between clearing formats to ISO 20022 messages (pain.001, pain.002, pacs.008, pacs.009, pacs.004, pacs.002, camt.053, camt.054, camt.056).
  • Data Dictionary & Schema Validation: Maintain schema validation rules, XSD validation definitions, truncation/enrichment logic, and character set translations (UTF-8, an others).
  • Clearing & Market Infrastructure Rule Adherence: Ensure message definitions strictly comply with market practice guidelines depending on country definitions. B. End-to-End (E2E) Payment Flow Modeling & Architecture
  • E2E Flow Diagrams: Construct comprehensive workflow, state-transition, and sequence diagrams covering the full payment lifecycle (Origination Sanctions/AML Fraud Screening Core Ledger Accounting Clearing & Settlement Rails Reconciliation & Reporting).
  • Exception & Investigation Flows: Map return and recall workflows (camt.056, pacs.004, camt.029), chargebacks, repair queues, Dodd-Frank Section 1073 compliance, and non-delivery notifications.
  • System Impact Analysis: Conduct functional gap analyses.

Skill Requirements

Role Purpose & Executive Summary We are seeking a high-caliber, results-oriented Payment Business Analyst & Product Owner to drive the modernization, design, and integration of our global enterprise payment platforms.You will hold end-to-end product ownership for payment processing capabilities- instant payments.You will lead detailed data mapping using the ISO 20022 XML/JSON standard, model End-to-End (E2E) payment sequence flows, author granular Agile user stories, negotiate technical agreements with partner systems/networks, and own the backlog through full lifecycle deployment.

Other Requirements

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