JD – Manual Testing - Payments Experience: 2-5 Years (Preferred) Location: Mumbai Required Skills: Strong understanding of Domestic Banking Payment Systems and International Banking Practices . Hands-on experience with domestic payment channels including: NEFT (National Electronic Funds Transfer) RTGS (Real Time Gross Settlement) IMPS (P2P, P2A, A2A) UPI (Unified Payments Interface) Payment Gateways BillDesk SFMS (Structured Financial Messaging System) Good knowledge of SWIFT Messaging Standards and International Payments. Experience working with SWIFT MT message formats including: MT103 – Customer Credit Transfer MT202 – Financial Institution Transfer MT940 – Customer Statement Message MT942 – Interim Transaction Report MT111 – Request for Stop Payment MT112 – Status of Request for Stop Payment Understanding of end-to-end payment processing lifecycle, reconciliation, settlements, and transaction monitoring. Ability to analyze business requirements and translate them into functional sp...