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Payments Techno-Functional Business Analyst - Cards Settlement knowledge

Cognizant

Company : Cognizant

Location : Houston, TX, 77001

Posted Date : 11 October 2025

Job Type : Other

Category : Information Design & Documentation

Occupation : Business Analyst

Job Details

Payments Techno-Functional Business Analyst - Cards Settlement Knowledge

Cognizant Technology Solutions is looking for a Payments Techno-Functional Business Analyst - Cards Settlement knowledge to join in our team of IT professionals in a permanent role. If you meet our background requirements and skills and are looking for an opportunity with these skills and expertise, here is the ideal opportunity for you!

Role: Payments Techno-Functional Business Analyst - Cards Settlement knowledge

Experience: 8-12 years of strong experience

Job Location: We are ideally looking for candidates to work at the Client site in a hybrid model (3 days per week) in Houston TX

Roles and Responsibilities

We are seeking a Payments Business Analyst having expertise in end-to-end lifecycle of card-based transactions using ISO8583 format, and specializing in settlement and reporting functionalities. Alongside functional expertise, candidate should have basic knowledge in Unix, shell scripting and troubleshooting experience.

Responsibilities

Knowledge in Settlement and Reporting functionalities (OR) Understanding of transaction processing in Debit / Credit payment network applications and related entities such as Merchant Acquirer Issuer and Network.
Able to review the deliverables from the development teams
Collaborate with Product managers Product Owners Architect and project managers to define accurate requirements
Help define test cases and acceptance criteria
Validate outputs to ensure business objectives are correctly implemented
Evaluate the impact of changes to the systems
Help identify potential downstream effects
Work closely with developers QA and Product family owner to provide functional clarity throughout the project life cycle
Able to analyze the transactional data
Ability to articulate both technically and functionally

Work Authorization: Cognizant will only consider applicants who are legally authorized to work in the United States.

Salary and Other Compensation: The annual salary for this position will depend on experience and other qualifications of the successful candidate.

Benefits: Cognizant offers the following benefits for this position, subject to applicable eligibility requirements: Medical/Dental/Vision/Life Insurance Paid holidays plus Paid Time Off 401(k) plan and contributions Long-term/Short-term Disability Paid Parental Leave Employee Stock Purchase Plan

What we offer

  • The chance to work with impact. Here, you're empowered to bring your biggest thinking to help our company and clients improve everyday life.
  • Ownership over your career. Stay at the top of your game through our award-winning learning and development ecosystem. And when your ambitions change or we offer new opportunities, we help you pivot by providing reskilling, on-the-job learning and guidance to find new roles that might be a better fit.
  • The opportunity to thrive on a high caliber team with heart. We celebrate each other's experiences and perspectives and promote a sense of belonging through our affinity groups and diversity and inclusion initiatives.
  • A comprehensive total rewards package, including a competitive salary and pension plan with matching contributions.
  • Flexible health and financial benefits to support you and your eligible dependents from day one.
  • True work-life balance. Be at your best through paid time off, flexible work arrangements, volunteering opportunities, social events, and so much more.

About us

Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant (a member of the NASDAQ-100 and one of Forbes World's Best Employers 2024) is consistently listed among the most admired companies in the world.

Other employment-related information

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, provincial or local laws.

If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email CareersNA2@cognizant.com with your request and contact information.

Language requirements vary depending on roles, but we ask that all candidates have basic English proficiency for company-wide communications purposes. For roles based in Quebec, professional English proficiency is required, as you'll deliver services to and collaborate with stakeholders outside the province who may not speak French.

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