Job Description:
A Digital Payments Architect/Senior Architect is a senior-level technical leader responsible for designing, implementing, and evolving scalable, secure, and compliant payment ecosystem. This includes architecting application and infrastructure for consumer-facing digital channels, real time transaction flows, payment orchestration, risk/fraud controls, third party API integrations, reconciliation, and adherence to payment industry/global payment ISO standards.
Key Responsibilities
In this role, you will drive collaboration across engineering, product management, enterprise functions, regional business teams and eco system partners and you will lead by defining the technical strategy, architecture, design, and execution to iteratively achieve outcomes and drive business outcomes with the right technology solutions
- Lead the architecture & design function for multiple teams/domains.
- Collaborate with product teams to understand the requirements, identify solutions, and provide technical thought leadership.
- Have experience implementing Domain Driven Design methodology.
- Ensure solutions meet corporate standards and adheres to operability principles.
- Leading software development projects, especially at early stage (PoC, Pilot).
- You have working experience across a variety of languages and frameworks like Java microservices, APIs, and cloud-native technologies
- You love declarative paradigm and functional programming. You focus on continuous improvement.
- Your solutions are scalable and secure by design.
- Assess existing payment platforms, identify technical debt, and drive modernization using new technologies and best practices.
- You build great relationships with technical peers across the organization and actively participate in the Software Engineering Guild.
- Mentor junior consultants and implementation teams; conduct code reviews and establish technical best practices
- Contribute to internal innovation initiatives and product roadmap recommendations based on business/product team’s feedback
- Stay current with emerging payment technologies (blockchain, real-time payments, AI fraud detection, next-gen wallets)
- Drives outcomes through strong commitment to timely delivery of key objectives.
Required Qualifications
Experience
• Bachelor’s or Master’s in Computer Science, Engineering, or related field.
• 15+ years professional experience in software development, solution architecture, or technical consulting
• 10+ years specializing in payment systems, fintech solutions, or financial services platforms
Technical Expertise
• Expert Java proficiency (Spring Boot/Cloud, microservices patterns, distributed systems, performance optimization)
• Advanced payment systems knowledge payment gateways, digital wallets, tokenization, PCI-DSS compliance, payment APIs
• Cloud platforms (AWS/Azure/GCP) containerization (Docker/Kubernetes), databases (Relational and NoSQL), CI/CD pipelines, infrastructure-as-code
• RESTful API design , event-driven architectures (Kafka/RabbitMQ), distributed caching strategies, distributed tracing/observability tools like Splunk
• High-throughput system design , load testing, database optimization, and performance tuning
• Must have expert level knowledge of software development processes and be an experienced user of one or more Application Lifecycle Management tools.
• Strong grasp of PCI DSS, AML, KYC, privacy laws (GDPR), regulatory frameworks, ISO 8583/20022).
• Collaborate with Architects from eco system partners and guides a network of collaborating organizations (an ecosystem)
• Good knowledge on Hardware Security Module (HSM), Cybersecurity best practices, Security tools etc