Job Title:  T&T- Customer - CS&D | Business Analyst | Mumbai | Manager

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Functional Consultant (Retail Liabilities & Cards)

Location: Airoli, Mumbai

Experience: 8–14 years

Role Type: Functional / Product + Operations Hybrid

Domain: Retail Banking – Liabilities & Cards

Role Overview

We are looking for experienced functional resources at Manager level with strong expertise across Retail Liabilities and Cards products, combined with operations/service exposure and the ability to translate business requirements into BRDs and functional documentation. The ideal candidate should possess end-to-end product lifecycle understanding and be comfortable working across business, operations, and technology teams.

Key Responsibilities

• Drive functional requirement gathering across Retail Liabilities and Cards domains
• Prepare Business Requirement Documents (BRDs), functional specifications, and process workflows 📄
• Work closely with business, operations, service, and IT teams for solution design and implementation
• Support product enhancements, regulatory changes, and transformation initiatives
• Participate in UAT planning, execution support, and defect resolution
• Ensure alignment between product intent and operational execution
• Act as a bridge between business stakeholders and technology teams
• Support process improvement initiatives across customer servicing lifecycle

Required Domain Expertise

Retail Liabilities

Candidates should have strong exposure to:

• Savings Accounts
• Current Accounts
• Term Deposits
• CASA lifecycle management
• Customer onboarding & servicing journeys
• Regulatory compliance impacts on liabilities products

Cards

Candidates should have working knowledge of:

• Credit Cards / Debit Cards lifecycle
• Card issuance and servicing
• Transaction lifecycle understanding
• Disputes / chargebacks basics
• Customer servicing operations related to cards 💳

Functional & Documentation Skills

Mandatory experience in:

• Writing BRDs / FRDs
• Requirement elicitation workshops
• Process mapping
• Stakeholder coordination
• Supporting UAT cycles
• Translating product requirements into implementable specifications

Education- B.tech/MBA/BCA/BE

Preferred Candidate Profile

Ideal candidates will have:

• Strong end-to-end product lifecycle knowledge
• Experience working in banking transformation or implementation programs
• Exposure to retail liabilities and cards systems
• Ability to work with multiple stakeholders across functions
• Manager-level ownership mindset and delivery accountability 📊