Payment Architect

Requirements

• 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

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Company Intel

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