Samba Kappala
Business Analyst @Kellton
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WORK HISTORY
Business Analyst @Kellton
EDUCATION
Sree vidyanikethan Engineering college
B.Tech, Civil Engineering
ABOUT SAMBA KAPPALA
I am a Business Analyst specializing in Cards & Payments, with hands-on experience in ISO 8583, EMV, POS Acquiring, Payment Gateways, Switch Integrations, Transaction Processing, and Scheme Certifications across Mastercard, Visa, and OmanNet.With 3.9 years of IT experience (including 9 months of deep Payments domain experience), I work closely with banks, scheme networks, developers, QA, merchants, and compliance teams to deliver secure, reliable, and scalable payment solutions.1. Credopay – Business Analyst (Cards & Payments)Led requirements gathering for POS Acquiring & Payment Gateway flows covering merchant onboarding, EKYC, AML, settlements & reconciliation.Created BRD/FSD, process flows, user stories and coordinated with Bank Nizwa teams end-to-end.Performed ISO8583 message validation (MTI, Bitmap, DEs), EMV online/offline flows, STAN/RRN, NII routing & issuer/acquirer switching.Managed Scheme Certifications (Mastercard, Visa, OmanNet) including Host Online/Offline, L3, SMS & RTC testing; secured approvals.Coordinated HSM key injection & Key Exchange (ZMK/ZPK/TMK) for UAT/Prod; validated PIN Block & MAC generation.Led UAT/SIT testing cycles, defect triage and production readiness validation across POS, Switch & PG.Worked with PCI DSS auditors by providing application walkthroughs, fixing vulnerabilities and ensuring compliance.Supported go-live activities including transaction monitoring, log analysis, settlement validation & merchant onboarding flows.2. TCS – Business Analyst (Insurance Domain)- 3 yearsGathered and documented business & system requirements, created BRD/FSD, user stories and acceptance criteria.Analyzed legacy system workflows and supported migration from ColdFusion to Angular.Conducted requirement walkthroughs with clients, SMEs, developers and QA teams.Supported UAT planning, test case review, defect triage and production verification.Improved process efficiency by identifying gaps, documenting workflows and streamlining business rules.Developed strong BA fundamentals: stakeholder management, SDLC, Agile/Scrum, process mapping and analytical reasoning.
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