Business Analysis, SWIFT, SEPA, ISO 20022 / Senior Consultant Specialist

Some careers shine brighter than others.

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of Senior Consultant Specialist

In this role, you will:

• Own and produce end-to-end solution designs for new features, market onboardings, and platform changes. Define integration patterns between RTP microservices, scheme adapters, and external systems

• Translate business and scheme requirements into detailed User story specifications consumable by engineering teams. Validate proposed solutions against NFR targets and platform constraints before build commences

• Act as the techno-functional bridge between Product, Business, and Engineering. Participate in scheme interpretation workshops — translating regulatory and scheme rule changes into platform impact assessments

• Support Architects and product owners in refining requirements to the level required for engineering consumption. Conduct functional impact assessments for change requests — identifying affected services, data flows, and downstream dependencies

• Review solution artefacts produced by other team members for correctness, completeness, and alignment to architecture standards. Participate in design reviews and architecture forums. Ensure designs comply with HSBC technology standards, security policies, and data governance requirements

• Contribute to test scenario definition — ensuring functional and non-functional test coverage reflects the solution design. Engage with MT leads, architects, internal interface teams and external scheme operators to clarify requirements and validate solutions

• Support sprint planning and backlog refinement by breaking down epics into well-defined, estimable user stories. Provide functional expertise during UAT and SIT — supporting defect triage and resolution from a business logic perspective

• Assist with market go-live readiness — solution validation, operational handover, and runbook documentation

To be successful, you will:

• Real-Time Payment Schemes - Deep understanding of RTP/IP scheme rules, clearing, settlement, and scheme connectivity (e.g., SWIFT, SEPA Inst, FPS, UAEFTS, STC Pay equivalent schemes)

• ISO 20022 Messaging - Ability to interpret, map, and design around pacs.008, pacs.002, camt messages — understanding field-level semantics

• Payment Lifecycle - End-to-end understanding — origination, routing, validation, processing, settlement, reconciliation, and exception handling

• Scheme Compliance & Rules - Awareness of scheme mandates, cutover timelines, format validations, and compliance obligations

• Market Onboarding - Experience supporting or leading new market / corridor onboarding from a functional and solution perspective

• Microservices Architecture - Ability to design service boundaries, define APIs, and produce High level solution design

• Data Flow & Sequencing - Able to produce and validate sequence diagrams, data flow diagrams, and interaction models across services

• Integration Patterns - Experience with synchronous and asynchronous integration, retry strategies, fallback pattern, Non-Functional Requirements - Ability to define and validate NFRs — latency, throughput, availability, scalability, and resilience targets

You’ll achieve more when you join HSBC.

www.hsbc.com/careers HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”

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Issued by – HSBC Software Development India