HCLTech is a globally recognized leader in technology and IT services, renowned for its innovative solutions and commitment to driving digital transformation across industries. With a presence in over 50 countries, HCLTech empowers organizations with cutting-edge technology, fosters a culture of collaboration and excellence, and values integrity, diversity, and customer-centricity. The company has received multiple industry awards for its pioneering work in cloud computing, cybersecurity, and IT infrastructure, making it a preferred employer for top talent worldwide.

Role summary
Own the design, build, certification and launch of the bank's SEPA and domestic payments capability in Spain: SCT, SCT Inst, SDD, Bizum and Verification of Payee, first through a representative (sponsor) bank on Iberpay's SNCE and later as a direct participant settling in T2 and TIPS. You are the person who knows how Spanish payments actually clear and settle, what Iberpay's homologation tests look for, and what the Instant Payments Regulation demands of a PSP on day one.

Key responsibilities




• Define the target payments architecture (payment hub, ISO 20022 canonical model, scheme adapters, liquidity, reconciliation, investigations) and the sponsor-bank access model for Year 1, with a documented migration path to direct participation in Iberpay SNCE, T2 and TIPS.
• Lead EPC scheme adherence (SCT, SCT Inst, SDD Core/B2B, VoP), Creditor Identifier, EPC Directory Service registration and the Verification of Payee integration (requester and responder) through the sponsor or Iberpay's RVM.
• Run the sponsor-bank onboarding and certification tests: message formats, cycles and cut-offs, R-transactions (rejects, returns, recalls), SCT Inst end-to-end under 10 seconds, contingency scenarios; later the Iberpay homologation and Eurosystem (T2 / TIPS) certification as direct participant.
• Ensure compliance with the Instant Payments Regulation (send/receive SCT Inst, price parity, VoP on every credit

📌 Payments Expert (Madrid)
🏢 HCLTech
📍 Madrid