Trainee Payment Analyst

Job description:

We're looking for a technically strong Computer Engineering graduate to join as a Trainee Payment Analyst. You'll work where software engineering meets banking. You'll learn how payment files are generated, transformed, validated and delivered to banks, and you'll help build the tools that automate this work. After a structured training period, you'll take ownership of customer formats.

What you'll do:

• Learn and work with global payment standards:
• ISO 20022: pain.001 (credit transfers), pain.002 (status reports), camt.053/054 (bank statements)
• SEPA, SWIFT MT/MX, and country- and bank-specific formats
• Configure and map payment formats from ERP data (SAP and others) to the format each bank requires
• Help migrate customers between format versions, for example ISO 20022 V3 to V9, to meet bank and SWIFT deadlines
• Validate XML payment files against XSD schemas and bank specifications
• Run end-to-end tests in UAT environments, then analyse the bank's acknowledgements and rejections
• Write test cases and keep test evidence for customer sign-off
• Investigate customer tickets such as rejected payments, mapping errors, file transfer failures and status mismatches
• Read logs, query databases with SQL and find the root cause, with help from senior analysts
• Coordinate with banks, customers and internal development and cloud teams
• Work in Agile/Scrum sprints using Jira, and document configurations and decisions in Confluence
• Collaborate with colleagues in India and Europe

What we're looking for:

• BE / B.Tech in Computer Engineering, or an equivalent degree in IT or Computer Science (2025 or 2026 graduates welcome)
• Strong grasp of programming fundamentals in at least one language (JavaScript/Node.js, Java or Python)
• Good working knowledge of SQL (joins, filters, aggregations)
• Understanding of data formats: XML, JSON and CSV
• Analytical mindset and close attention to detail, because one wrong field means a failed payment
• Clear written and spoken English

Good to have:

• XML Schema (XSD), XPath or XSLT
• REST APIs and tools such as Postman
• ETL tools (Pentaho, Talend or similar), or experience transforming data in scripts
• Git, the Linux command line, SFTP
• Basic knowledge of banking, payments or finance (we'll teach the domain)
• Internships or academic projects in data integration, automation or fintech

Soft skills:

• Curiosity and willingness to learn a new domain quickly
• Ownership, and follow-through on tasks and customer issues
• Being comfortable asking questions and documenting what you learn

Skills

CSV, JSON, Java, JavaScript, Node.js, Python, SQL, XML