Senior Test Engineer - CRM

Looking for a Senior Software Tester with 5–7 years of experience in merchant service operations, with strong expertise in manual testing and hands-on exposure to merchant onboarding, underwriting, KYC/KYB validation and end-to-end merchant lifecycle validation. The candidate should be comfortable working as an individual contributor, while also being willing to take on additional responsibilities when needed.

The ideal candidate should demonstrate strong ownership, self-initiative, and a proactive, positive mindset to succeed in a fast-growing and fast-paced organization.

Key Responsibilities • Independently analyse business and functional requirements to design comprehensive test scenarios and test cases covering merchant onboarding, underwriting, merchant profile management, and payment workflows, including positive, negative, and exception scenarios. • Drive smoke, functional, regression, integration, and exploratory testing while validating merchant workflows, document verification, approvals, rejections, and payment processing flows. • Collaborate closely with product, development, operations, compliance, and business teams, perform detailed peer reviews, track defects effectively, and communicate testing progress, risks, and release readiness with clarity. • Identify opportunities for automation and contribute towards improving automation coverage and overall test efficiency.

Required Skills • Strong understanding of STLC, defect lifecycle, and manual testing approaches including functional, regression, exploratory, integration, and workflow-based testing. • Hands-on experience with API testing tools such as Postman and SoapUI, along with strong SQL skills for backend validation and data verification. • Exposure to automation frameworks or experience in automating merchant onboarding, underwriting, or workflow-based applications will be an added advantage. • Excellent communication, documentation, and stakeholder management skills, with the ability to independently drive activities while also supporting team coordination responsibilities.

Technical Expertise • Deep understanding of merchant onboarding and underwriting workflows, including merchant application intake, document verification, business classification, underwriting review, approval/rejection handling, and merchant activation. • Hands-on experience and strong analytical skills in validating merchant onboarding, merchant transactions, residual processing, fraud/risk scenarios, and payment gateway integrations including authorization, settlement, reconciliation, refunds, chargebacks, recurring payments, disputes, and transaction monitoring.

• Good knowledge of merchant risk categorization, MCC mapping, transaction limits, reserve handling, fraud indicators, high-risk merchant scenarios, and exception handling.
• Strong understanding of merchant management portals including merchant profile updates, terminal allocation, user management, onboarding status tracking, pricing changes, and merchant activation/deactivation flows.
• Experience in validating maker-checker approvals, multi-level review workflows, , notifications, escalations, audit trails, and other workflow-based validations.

Qualifications

Technical Expertise • Deep understanding of merchant onboarding and underwriting workflows, including merchant application intake, document verification, business classification, underwriting review, approval/rejection handling, and merchant activation. • Hands-on experience and strong analytical skills in validating merchant onboarding, merchant transactions, residual processing, fraud/risk scenarios, and payment gateway integrations including authorization, settlement, reconciliation, refunds, chargebacks, recurring payments, disputes, and transaction monitoring.

• Good knowledge of merchant risk categorization, MCC mapping, transaction limits, reserve handling, fraud indicators, high-risk merchant scenarios, and exception handling.
• Strong understanding of merchant management portals including merchant profile updates, terminal allocation, user management, onboarding status tracking, pricing changes, and merchant activation/deactivation flows.
• Experience in validating maker-checker approvals, multi-level review workflows, , notifications, escalations, audit trails, and other workflow-based validations.