Headline

Payments Product Owner | RTP, R2P, ISO 20022, Domestic and Cross-Border Payments | Product Management | Building Scalable Payment Platforms | Fintech & Banking

About

Payments Product Owner / Lead Business Analyst with 12+ years of experience building and scaling domestic, real-time, and cross-border payment platforms for global banks and financial institutions. Currently leading product and delivery for an in-house payment engine supporting ACH and RTP schemes across emerging and domestic markets. I work closely with engineering, architecture, compliance, and business teams to define product vision, prioritize backlogs, and deliver scalable payment capabilities aligned with ISO 20022 standards. Previously at Barclays, I played a key role in the multi-year ISO 20022 transformation program, impacting 40+ channels and improving sanctions screening accuracy through structured data adoption. My experience spans RTP, ACH, payment processing engines, API-led architectures, and regulatory transformation. I enjoy solving complex payment problems, translating business needs into clear product requirements, and building platforms that are reusable, compliant, and future-ready. Email : Arshad.g.jiwani@gmail.com

Location

Pune Division

AI stack

antigravity

claude

replit

Work experience

Lead Business Analyst / Product Owner - Payments (Domestic and Emerging markets) at Coforge, Jan 2023 - Present · 3 yrs 10 mos, Pune District, Maharashtra, India, • Product owner for an in-house payments platform supporting ACH and RTP schemes across domestic and emerging markets. • Defined product roadmap and prioritized backlogs for payment processing, API integrations, and scheme onboarding. • Led design of reusable REST APIs integrating core banking, sanctions, FX, payment gateways, and virtual account systems. • Drove standardization of API contracts across markets, reducing market-specific customization and improving time-to-market. • Owned non-functional requirements for throughput, latency, and availability, ensuring RTP SLAs across multiple schemes. • Acted as primary interface between business stakeholders, architects, and engineering teams from discovery to go-live.

Sr Business Analyst at Barclays Technology Center India, Aug 2019 - Dec 2022 · 3 yrs 5 mos, Pune/Pimpri-Chinchwad Area, • Core member of ISO Migration project within Barclays and involved in phased approach based on Schemes. • Working for ISO XML Migration Project - Responsible for creation of High level designs and Requirements with respect to each Migration phase. • Well versed with the Payments flows and ISO20022 Payment messages and High Value Payments Landscape. • Working on migration of High Value MT1,2 and 9 Series messages to Equivalent XML’s( PAIN, PACS and CAMT’s). • Good Understanding of Impacted Schemes/Market Infrastructures like CHAPS, TARGET2, STEP1 , EURO1, MEPS and also CBPR+. • Good Understanding of SWIFT mystandards ,Usage guidelines, SWIFT readiness and SWIFT Translation portal and Other SWIFT related service and documentation. • Completed Several Payments Certification like Payments Message Associate and ISO20022 Adoption Professional : CBPR + - SWIFT based Certifications provided by SWIFT SMART.

Business Analyst at Barclays Technology Center India, Aug 2016 - Aug 2019 · 3 yrs 1 mo, Pune Division, Maharashtra, India, * Worked as a Business Analyst on Several Regulatory and High priority Projects for Payments Screening Application (Fircosoft). * Worked on Large Payments Datasets to derive important insights on data and help solve complex problems and Leverage Analytical skills in problem solving. * Involved in Requirements Gathering, Stakeholder Management , Elicitation and Several Phases within Project Lifecycle. * Dynamic Business Analyst worked for Several application within Sanctions space which Includes Middleware Applications (IBM Broker),Java based inhouse Middleware and Vrisk Application(Old Screening Engine) and Fircosoft(Strategic Screening Engine). * Knowledge of overall Applications within Sanctions Space along with Database design and Architecture of each of the above applications. * Involved in Migration of Screening engine from Old to new and responsible for overall Requirements for the same. * Involved in Vendor management for several applications used within sanctions space. * Payments Technology Knowledge along with the overall Landscape of Payments Within Barclays. * Played a role of Business Data Analyst in Building Predictive model to reduce the Manual intervention for evaluation of Screening Hits and Data cleaning and Exploratory Data analysis for Payment Screening application and Provide domain expert and Perform POC .

Production Support Analyst at Barclays Investment Bank, Oct 2013 - Jun 2016 · 2 yrs 9 mos, Pune, Maharashtra, India, * Worked as production support L2 Analyst responsible to support several applications like Collateral Management part of shared services. * Ensure SOD/EOD checks to be completed on application to ensure no prod issue encountered and business is not impacted. * Worked on Incident management for Investment banking Applications and also supported the Release management for IB and Shared Applications. * Worked with several report generation task for Business team leveraging the Data skills like SQL and Data Analytics.

Education

Post Graduation Diploma in Advanced Computing, Information Technology, Sunbeam Institute of Technology

Engineer’s Degree, B.E [Information Technology], nagpur university