Analyst – RB Payments (Processing & Transfers)
HCLTech — Lucknow, Uttar Pradesh
₹4–10 LPA (HireSetu estimate) · Entry level · Freshers eligible · Full-time
HireSetu listing reference 2051b0 — confirm requirements below, then apply on the employer site.
Quick answer: A payments operations job in Lucknow: you process and verify transactions using payment applications and SWIFT message formats. The Analyst title is broad, but the core work is processing, checking and escalating, with basic reporting on the side.
From HCLTech's job posting
Job Summary
This role supports the accurate and timely processing of payments within banking operations. The individual applies foundational knowledge of banking principles and payment systems to ensure transactions are processed efficiently and in compliance with standard procedures. They participate in issue identification, contribute to process enhancements, and assist in generating reports to monitor business performance.
Key Responsibilities
1. Process payments using payment applications by applying foundational knowledge of SWIFT messages (MT202, MT103, MT299, MT191 to MT999), ensuring compliance with established protocols.
2. Validate transaction documentation by verifying cash, cheque, and ACH payment instructions according to internal guidelines.
3. Assist in identifying basic issues within payment processing workflows by reviewing routine transactions and escalating discrepancies as needed.
4. Support the implementation of process improvements by following documented solutions and enhancements within assigned tasks.
5. Prepare basic reports and analyses using payment system data to support business monitoring activities.
6. Collaborate with team members to clarify payment procedures, share information, and address routine queries for smooth transaction processing.
Skill Requirements
1. Foundational Knowledge Of Rb Payments Processing & Transfers And Rb Payments Investigation & Charges.
2. Basic Understanding Of Banking Products, Features, And Core Banking Principles.
3. Familiarity With Swift Message Formats And Their Application In Payment Processing.
4. Initial Learning In Using Payment Applications And Systems For Transaction Management.
5. Basic Document Verification And Comprehension Skills.
6. Fundamental Communication Skills For Effective Team Collaboration.
Other Requirements
1. Optional: Certification in SWIFT Fundamentals or Payments Operations (such as ACI Payments Certification) is valuable but not mandatory at this level.
Text from HCLTech's official job posting, formatted by HireSetu. The employer's own page is the final word on details.
HireSetu's note
Message formats and payment apps
The core of this job is comfort with SWIFT message formats and hands-on use of a payment application. The other half is verification: cash, cheque and ACH instructions checked against internal rules before anything moves. You'll see MT202, MT103, MT299 and the MT191 to MT999 range. You don't need to memorise every field before day one, but you do need to understand why a missing or mismatched field stops a payment.
Lucknow base, payment cut-offs
The role sits in Lucknow. Payment operations move to cut-off times, so the day is shaped by clearing windows and deadlines, not by a pile of tickets you clear whenever. Confirm whether the team works full-time from the office, because that decides commute or relocation. If you're already in Lucknow, this is a local ops role with a fixed banking rhythm; if not, sort out the practical side early.
The Analyst title is broad
Analyst can mean data, business or financial analysis. Here it means payment operations: processing, validating, escalating discrepancies and preparing basic reports from payment system data. The analysis part is basic reporting; expect screens, checks and escalations instead of SQL, dashboards or modelling. The experience you build is in payment rails, exception handling and SWIFT formats, which can lead towards investigations, reconciliations or payments support later. The SWIFT Fundamentals or ACI certification is optional; it helps your CV but won't replace knowing how a payment instruction gets checked and released.
Drafted with AI from HCLTech's job posting and checked by Prashanth Jakkula before publishing. See our Editorial Policy.
How to apply
- Open HCLTech's careers site with the Apply button.
- Follow the application steps on the site and upload your resume.
- Keep the confirmation email or application number for follow-up.
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