Functional Analyst - Payments & Cards

Who We Are

At Kyndryl, we run and reimagine the mission-critical technology systems that drive advantage for the world’s leading businesses. We are at the heart of progress; with proven expertise and a continuous flow of AI-powered insight, enabling smarter decisions, faster innovation, and a lasting competitive edge. For our people—Kyndryls—that means doing purposeful work that powers human progress. Join us and experience a flexible, supportive environment where your well-being is prioritized and your potential can thrive.

The Role

Are you passionate about solving complex problems? Do you thrive in a fast-paced environment? Then there’s a good chance you will love being a part of our Software Engineering – Development team at Kyndryl, where you will be able to see the immediate value of your work. As a Functional Analyst at Kyndryl, you will be supporting and leading the analysis, design, and delivery of banking solutions. The role involves translating business needs into solution specifications, collaborating with cross-functional teams, and ensuring successful implementation aligned with business goals, technology standards, and regulatory requirements

Key Responsibilities

• Gather and document business and system requirements under guidance

• Assist in capturing solution, performance, and security requirements along with user stories and acceptance criteria

• Support analysis of dependencies and change impact assessments

• Support development of solution documentation and design artifacts

• Assist in creating data mappings and data flow documentation

• Contribute to data modelling activities under supervision

• Collaborate with business stakeholders, and act as a bridge between business and technology teams

• Participate in Agile ceremonies (PI planning, sprint planning, stand-ups, retrospectives)

• Support translation of business needs into implementation-ready specifications

• Prepare and execute test cases and scripts

• Support defect logging, tracking, and resolution

• Assist stakeholders during User Acceptance Testing (UAT)

• Follow defined architecture and delivery standards

• Adhere to regulatory and compliance requirements

• Support IT risk and control processes

• Support process improvements and documentation standards

• Continuously learn and enhance domain and functional knowledge


Your contributions will have a significant impact on our products' success, and you will be part of a team that is passionate about innovation, creativity, and excellence. Above all else, you will have the freedom to drive innovation and take ownership of your work while honing your problem-solving, collaboration, and automation skills. Together, we can make a difference in the world of cloud-based managed services.

Your future at Kyndryl
This role opens the door to many career paths, both vertical and horizontal, and there may be opportunity to travel. It’s a great chance for database administrators or other techs to break into the cloud. It’s also a solid path to become enterprise or chief architect or a distinguished engineer! Whatever you see for yourself, you’ll find the opportunity here.


Who You Are

You’re good at what you do and possess the required experience to prove it. However, equally as important – you have a growth mindset; keen to drive your own personal and professional development. You are customer-focused – someone who prioritizes customer success in their work. And finally, you’re open and borderless – naturally inclusive in how you work with others.

Required Technical and Professional Experience

• 8to 10+ years of experience in banking or BFSI domain

• Deep understanding of Payments landscape:

• Domestic and cross-border payments (SEPA, SWIFT (SAG/SAA), real-time payments)

• Payment processing flows (initiation, clearing, settlement, reconciliation)

• Strong expertise in Cards domain:

• Card lifecycle (issuance, activation, authorization, clearing, settlement, disputes/chargebacks)

• Knowledge of card schemes (Visa, Mastercard) and ecosystem participants

• Familiarity with regulatory requirements (e.g., PSD2, AML, fraud prevention, strong customer authentication), Cyber Fraud and Risk Management

• Experience with end-to-end transaction flows and customer journeys across channels (digital, POS, ATM)

• Exposure to Sirius, SafeWatch, MOSEL, MOSEL Gateways, G4S will be an added advantage

• Familiarity with end-to-end customer journeys and cross-domain dependencies

• Strong knowledge of solution design, product lifecycle, and data governance & analysis

• Deep understanding of testing, customer experience, incident/problem management, and application support

• Strong understanding of payments/cards testing strategies (transaction validation, reconciliation testing, exception handling)

• Expertise in requirements analysis, solution specification management, and feasibility assessment

• Strong knowledge of banking products and services

• Strong leadership and stakeholder management skills

• Strategic mindset with strong business awareness

• Excellent communication (written and verbal)

• High level of accountability, integrity, and adaptability

• Ability to perform in complex and high-pressure environments


Preferred Technical and Professional Experience

• Bachelore’s/Master’s degree in Information Technology, Computer Science, or equivalent experience

• Preferred Tools/Platforms: e.g., Jira, Confluence

• Certification in Agile SAFe


Being You

The “Kyn” in Kyndryl means kinship, which represents the strong bonds we have with each other, our customers and our communities. We focus on ensuring all Kyndryls feel included and we welcome people of all cultures, backgrounds, and experiences. Even if you don’t meet every requirement, we encourage you to apply. We believe in growth, and we’re excited to see what you can bring. At Kyndryl, employee feedback has told us that our number one driver of employee engagement is belonging. That sense of belonging — being a valued, respected, trusted member of the team — is fundamental to our culture and fueling great experiences for our customers. This dedication to welcoming everyone into our company means that Kyndryl gives you the ability to thrive and contribute to our culture of empathy and shared success. That’s The Kyndryl Way.


What You Can Expect

Your career with us isn’t just a job—it’s an adventure with purpose. We offer a dynamic, hybrid-friendly culture that supports your well-being and empowers you to grow. Our Be Well programs are thoughtfully designed to support your financial, mental, physical, and social health—because we know that when you feel your best, you do your best.

From your very first day, you’ll dive into impactful work that powers the systems our customers rely on every day. You won’t just contribute—you’ll make a difference, tackling meaningful projects that sharpen your skills and fuel your growth.

We’re here to champion your journey. With powerful tools to chart your career path, personalized development goals aligned with your ambitions, and continuous feedback to keep you inspired and on track, you’ll have everything you need to thrive and evolve. You’ll develop in-demand skills to grow your career and achieve your ambitions with access to cutting-edge learning opportunities—from certifications with Microsoft, Google, and Amazon to coaching and hands-on experiences. And through it all, you’ll be part of a culture that values empathy, restless learning, and a devotion to shared success.

We want you to thrive here—and we’re committed to helping you do just that. Ready to make an impact? Join us and help shape what’s next.