SAP Payments Functional Consultant

Employment: Full-time Experience: Mid-Senior level Education: Bachelor's Degree Be Part of us Innovation is and will always be the core of SAP Fioneer. SAP Fioneer builds on a heritage of outstanding technology and a deep understanding of corporate and consumer demands. At the heart of it all it is simple: We bring financial services to the next level with innovative software solutions and platforms. We are helping companies in the financial services industry to achieve speed, scalability, and cost-efficiency through digital business innovation, cloud technology, and solutions that cover banking and insurance processes end-to-end. A global company, with rapid growth, innovative people, and a lean organization makes SAP Fioneer a place where you accelerate your future! About the Role: We are seeking an experienced SAP Payments Functional Consultant to join our team, specializing in SAP Fioneer Banking solutions. The consultant will play a key role in guiding clients through core banking transformation journeys, leveraging SAP’s functional capabilities to design, implement, and optimize payment processes. Requirements Job Requirements Bachelor’s or master’s degree in IT, Computer Science, Engineering, or a related field. Minimum 5+ years of experience in the banking domain, with strong exposure to SAP Fioneer / SAP Payment Engine / Payment Central solutions. Proven experience in SAP Fioneer Banking functional consulting, including production support. Strong understanding of domestic and international banking processes, KPIs, and regulations. Experience working with banking platforms, payment processors, and financial service vendors. Exposure to cloud technologies and migration programs in banking environments. SAP FI/CO knowledge (advantageous). SAP Fiori/UI5 knowledge (advantageous). Strong client-facing experience including stakeholder management and workshop facilitation Flexible and open to working shifts when required. Job Responsibilities Analyse, design, and configure SAP Payment Engine / Payment Central solutions based on business and functional requirements. Engage with clients to gather requirements, conduct needs analysis, and provide advisory support for transformation initiatives. Configure payment processes including payment processing, routing, clearing, settlement, exception handling, and reconciliation. Integrate SAP Payment Engine with peripheral systems, banks, and payment service providers. Monitor and support payment processing in production environments, ensuring performance optimization and issue resolution. Identify, assess, and mitigate project and operational risks, ensuring compliance with internal standards. Support testing activities (unit, integration, regression), deployments, and transport management. Collaborate in preparing proposals and solution designs aligned with organizational standards. Establish and review client controls, governance processes, and compliance frameworks. Provide guidance on standard vs. customized SAP solutions, ensuring optimal platform utilization. Support post-implementation activities, including documentation updates and issue resolution. Ensure adherence to project management methodologies, QA standards, and delivery frameworks. Skills Required Functional & Domain Skills Strong knowledge of end-to-end payment lifecycle: Initiation Validation Routing Clearing Settlement Reconciliation Returns / recalls Expertise in global payment standards and systems: ISO 20022 SWIFT SEPA FPS, CHAPS, BACS (UK) Fedwire / CHIPS (US) TARGET2, NPP, BECS (APAC) Understanding of Nostro/Vostro reconciliation Knowledge of sanctions screening, AML, and fraud detection integrations Technical & SAP Skills Configuration and customization of SAP Payment Engine / Payment Central components Ability to analyze payment issues via: Job monitoring,Error handling Payment flow optimization Experience with interfaces and integration frameworks for banks and external systems Exposure to ABAP (debugging, enhancements, technical collaboration) Familiarity with transport management and system landscapes Consulting & Soft Skills Strong client engagement and communication skills Ability to conduct functional workshops and solution walkthroughs Analytical thinking and problem-solving capability in high-volume transaction environments Documentation and presentation skills for technical and functional audiences Ability to balance business requirements with standard SAP capabilities Benefits You will have the opportunity to collaborate with some of the brightest minds in the industry on an incredibly ambitious project to shape the ever-evolving financial sector. This is an environment where you can have it all - the agility, enthusiasm and dynamism of a start-up, combined with the established expertise, solid market presence and extensive customer network of a more established organisation. At SAP Fioneer, you will benefit from a flexible work environment that encourages creativity and encourages you to think outside the box, bring new ideas to the table, and challenge the status quo. You will become part of a diverse and global team that we are proud of and are constantly growing and reinventing. As an employee, you will have the chance to chart your own career path and take advantage of competitive compensation packages and progression opportunities based on merit. Join us for a rewarding career where your needs are not just met but exceeded