Payment Architect

Experience

• 15–18 years of IT experience, including 5+ years in Solution / Enterprise Architecture, delivering large-scale payments or digital banking platforms.

Payments Domain Expertise

• Strong experience designing end-to-end payment architectures across:

o Card payments (issuing, acquiring, clearing & settlement)

o Real-time payments (FAST/PayNow/RTP/UPI-like systems)

o Domestic and cross-border payments

• Hands-on exposure to payment gateways, switches, hubs, and integrations with schemes and networks.

• Knowledge of payment standards such as ISO 8583 and ISO 20022, and high-volume, low-latency payment processing.

• Understanding of fraud, risk controls, reconciliation, disputes, and settlement.

Architecture & Engineering

• Proven experience with microservices and API-first architectures using REST/OpenAPI, DDD, and event-driven patterns.

• Expertise in API Gateway, BFF, and synchronous/asynchronous integration for digital and partner channels.

• Experience modernizing and integrating legacy/core banking and payments systems (AS400, COBOL, ESB) with cloud-native platforms.

• Strong backend engineering background (Java/Spring Boot preferred; .NET/Node acceptable) with ability to guide design and review code.

Scalability, Security & Reliability

• Strong understanding of scalability, resiliency, HA, idempotency, and performance tuning for 24x7 payment systems.

• Experience with payments security architecture, including OAuth2/OIDC, JWT, mTLS, encryption, and secure API design.

• Familiarity with regulatory and compliance requirements impacting payments platforms.

DevOps & Platforms

• Hands-on exposure to DevOps and cloud-native practices, including CI/CD, Docker, Kubernetes/OpenShift, and observability.

• Experience with messaging and integration technologies (Kafka, MQ, ESB).

Leadership & Collaboration

• Ability to lead architecture governance, conduct design reviews, and mentor engineering teams.

• Strong stakeholder management skills across product, business, compliance, and technology.

• Acts as a payments thought leader and trusted advisor.

EA License Number is 068914