Kunal Digrajkar

About Kunal Digrajkar

enior QA Engineer with 6+ years of experience in Banking and Payments testing, specialising in POS Acquiring, Merchant Boarding, Core Banking, and Digital Banking platforms across Indian and GCC banking environments.Experienced in Manual, Functional, Regression, System, UAT, and End-to-End testing, with strong exposure to payment transaction processing, merchant onboarding workflows, and POS acquiring systems. Hands-on experience validating payment flows involving ISO 8583 messaging, Base24 transaction processing, and backend transaction validation.Strong background in Core Banking Systems (TCS BaNCS) with functional exposure to customer onboarding, account management, loans, deposits, and payment processing. Experienced in testing Indian payment systems including RTGS, NEFT, IMPS, and UPI, ensuring accurate transaction processing and reconciliation.Currently working on POS Merchant Boarding and Payments Acquiring testing, validating merchant onboarding, terminal mapping, activation, service enablement, and configuration propagation across systems. Experienced in ISO8583 data element validation, Base24 log analysis, and SQL backend validation.Also experienced in Mobile Banking and Internet Banking testing, validating customer journeys such as authentication, account overview, transactions, statements, and service requests, along with UI validation using Figma.Comfortable working in Agile/Scrum environments, collaborating with business, development, and operations teams to deliver stable releases and production-ready banking applications.Core ExpertisePayments & POS Acquiring Testing | Merchant Boarding | ISO8583 | Base24 | Core Banking (TCS BaNCS)| RTGS | NEFT | IMPS | UPI | Mobile & Internet Banking Testing | API Testing (Postman)| SQL Backend Validation | UAT & Release ReadinessContributed to banking and fintech projects for organisations including SBI, HDFC Bank, National Bank of Kuwait, Burgan Bank, and Fiserv clients, delivering high-quality banking and payment solutions.

Experience

1. Senior Software Engineer

   Virtusa

   Aug 2025 — Present · Maharashtra, IN

   Boarding & Configuration – onboarding and setting up POS terminals for merchants- End-to-End Testing – validating complete transaction flows, from initiation at the terminal to settlement- Transaction Validation – testing and verifying all types of POS transactions (Credit/Debit, EMV Chip, Contactless, NFC, PIN, Refunds, Reversals, Settlements)- Functional & Integration Testing – ensuring smooth interaction between POS devices, payment gateways, and backend systems- Quality Assurance – performing thorough validations to ensure secure, reliable, and compliant payment processing- With deep involvement in payments domain testing, I ensure that POS solutions are robust, efficient, and merchant-ready.

Education

• Rajiv Gandhi College of Arts, Commerce and Science

  Information Technology - B.sc, Information Technology

  2016 — 2019