Business Analyst/ Product Owner

Product OwnerMust have technical/functional skills: 10+ years of professional experience and minimum 5+ years of experience as a product owner. Define and communicate the product vision, strategy, and roadmap. Strong domain knowledge in core payments products lifecycle and systems (including channels, middleware, payment engine, sanctions, reporting, accounting, clearing, etc). Strong knowledge of distributed architecture patterns, including microservices based design, containerized deployment models, API driven integrations, and event based messaging using platforms such as MQ and Kafka. Bilingual with Spanish strongly preferred. Expertise in evaluating technology tradeoffs, conducting architecture reviews, and guiding enterprise design decisions. Experience using tools such as Visio, JIRA, Confluence. Strong verbal and written communication skills; ability to work collaboratively with multiple teams. Experiences working with payments rails/products, such as FedWire, Chips, TCH, SEPA, Wires, ACH, Real Time Payments, SWIFT, ISO etc. Hands-on experience with AI models and tools, such as Copilot, Claude, etc a plus. 5+ years overall experience required, flexible, self-starter, fast-learner – willing and able to quickly learn new products, technologies and skills.Roles and responsibilities: The candidate will be responsible for performing requirements refinement and end to end solutioning on critical payments programs. Drive requirements refinement process with business, operations and tech stakeholders; gather, analyze and document business and system requirements; create HLD and functional requirements using Agile SAF hierarchies (deliverable, epic, story). Work closely with stakeholders including Enterprise Architecture and Engineering teams to provide E2E technical solutions which successfully deliver business functionalities. Translate regulatory and business requirements into scalable, resilient platform designs, decompose complex initiatives into deliverable increments, and ensure alignment across core processing layers. Establish and enforce non-functional requirements including resiliency, scalability, SLA, availability, security, observability, and operational readiness. Identify architectural impediments, develop remediation plans, and drive resolution across business and technology stakeholders; evaluate and present multiple tech solutions for stakeholder decisioning. Conduct architecture reviews and provide governance to ensure solutions comply with enterprise standards, technology strategies, and risk controls. Partners with Product Managers, Project Managers, and Engineering teams to prioritize technology-focused backlog items and ensure timely delivery of business outcomes.TCS Employee Benefits Summary: Discretionary Annual Incentive. Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans. Family Support: Maternal & Parental Leaves. Insurance Options: Auto & Home Insurance, Identity Theft Protection. Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement. Time Off: Vacation, Time Off, Sick Leave & Holidays. Legal & Financial Assistance: Legal Assistance, 40 1K Plan, Performance Bonus, College Fund, Student Loan Refinancing. Salary Range: $110,000 - $125,000 a year Tata Consultancy Services