JOB DESCRIPTION
Quality Assurance Engineer
Quality Assurance / Engineering
Fintech | Card Issuing | Payments | CMS
On-site (as per company policy)
We are looking for an experienced Quality Assurance Engineer to join our Payments Engineering team supporting the Card Issuing platform. The ideal candidate will bring strong hands-on testing expertise across Card Management Systems (CMS), ISO 8583 transaction flows, network authorizations (Mastercard / Visa / RuPay), and UPI rails. You will own end-to-end quality for critical payment journeys — combining manual rigor, robust automation, and performance validation — to ensure secure, compliant, and high-throughput release cycles.
- Own end-to-end QA for Card Issuing modules across Prepaid, Credit, and Debit card products.
- Design, document, and execute detailed test plans, test scenarios, and test cases for functional, regression, integration, system, and UAT testing.
- Validate ISO 8583 message flows (0100/0110, 0200/0210, 0400/0410, 0420/0430, 0800/0810) across authorization, reversal, chargeback, and clearing/settlement cycles.
- Perform network authorization testing with Mastercard, Visa, RuPay, and other card schemes including simulator-based certification testing (MAS/MDS, VTS, RuPay simulators).
- Test UPI payment journeys — collect requests, intent flows, mandates, refunds, dispute handling, and switch interactions.
- Design and maintain automation suites using Selenium, Playwright, REST Assured, or equivalent frameworks.
- Develop and maintain API test suites (Postman, REST Assured) covering issuance, KYC, card lifecycle, transaction, and reconciliation APIs.
- Conduct performance and load testing using JMeter to validate TPS, latency, and stability of payment authorization flows.
- Drive defect lifecycle management — log, triage, prioritize, retest, and close defects in JIRA with clear reproduction evidence.
- Collaborate with developers, product managers, business analysts, network certification teams, and operations to ensure release readiness.
- Participate in production release validation, smoke testing, and post-release monitoring of payment flows.
- Contribute to QA strategy, test data management, environment readiness, shift-left practices, and continuous test improvement.
- Ensure compliance with PCI-DSS, network scheme mandates, and internal information security standards.
Mandatory Skills & Experience
Domain — Payments / Issuing
- Issuing experience: Hands-on prior experience in Fintech Payments on the Issuing side is mandatory.
- ISO 8583: Strong working knowledge of ISO 8583 standard — message types, data elements (DE), bitmaps, MTIs, response codes, and field-level debugging.
- CMS: Experience testing Card Management Systems and card lifecycle events — issuance, activation, hotlisting, replacement, PIN management, limits, and blocks.
- Card Products: Proven exposure to Prepaid, Credit, and Debit card products including BIN setup, fee plans, and cardholder lifecycle.
- Network Authorizations: Solid understanding of authorization flows from Mastercard, Visa, RuPay (and other schemes), including stand-in, advice, and reversal scenarios.
- UPI: Hands-on experience testing UPI payment flows, NPCI message specifications, and switch-level interactions.
- Reconciliation & Settlement: Familiarity with clearing, settlement files (IPM, EPS, RuPay clearing), and reconciliation testing.
Technical — Programming & Automation
- Programming: Strong programming proficiency in Java AND Python (data structures, OOP, exception handling, file/DB I/O).
- UI Automation: Hands-on experience with Selenium WebDriver and Playwright; ability to design Page Object Model / scalable frameworks.
- API Automation: Postman, REST Assured, or equivalent.
- Performance Testing: Practical experience with JMeter or Equivalent — designing load models, analyzing TPS, latency, and error trends.
- Database: Strong SQL skills (Oracle / PostgreSQL / MySQL) for backend validation, reconciliation checks, and test data setup.
- Logs & Debugging: Comfortable with Kibana, Splunk, Grafana, or equivalent for log analysis and transaction tracing.
Testing Methodology
- Strong fundamentals across Manual Testing — functional, regression, integration, system, smoke, sanity, exploratory, and UAT.
- Hands-on Automation Testing across Web, API, and backend layers.
- Performance, Load, Stress, Soak, and Spike testing of payment APIs and authorization endpoints.
- Security testing awareness — OWASP Top 10, PCI-DSS controls, sensitive data handling, tokenization, and encryption (HSM concepts).
- Negative testing, boundary analysis, equivalence partitioning, decision tables, and risk-based test design.
- Strong defect reporting, root cause analysis, and reproducibility discipline.
- Experience with simulator-based testing for card schemes and network certification cycles.
Behavioral & Communication
- Excellent written and verbal communication skills — able to articulate defects, risks, and release status to technical and non-technical stakeholders.
- Strong analytical and problem-solving mindset with attention to detail.
- Ownership-driven, proactive, and able to operate independently in fast-paced release cycles.
- Collaborative team player comfortable working with cross-functional and cross-geography teams.
- Knowledge of EMV chip transactions, contactless (NFC), tokenization (MDES / VTS / RuPay Token), and 3-D Secure (3DS 2.x).
- Experience with chargeback and dispute lifecycle testing per scheme rules.
- ISTQB certification (Foundation / Advanced) or equivalent QA certifications.
- Familiarity with Agile / Scrum / SAFe delivery models and shift-left QA practices.
- Experience with BDD frameworks (Cucumber, SpecFlow).
Educational Qualifications
- Bachelor's or Master's degree in Computer Science, Information Technology, Electronics, or a related engineering discipline.
- Equivalent practical experience in payments QA will also be considered.
