Senior Payments Engineer - Cards Acquiring

About the role

We are seeking a highly skilled Senior Payments Engineer (Cards & Cards Acquiring) to join a leading enterprise banking technology team in Dubai. Operating within the Software Engineering Chapter, this role is dedicated to the end-to-end delivery, orchestration, and production support of our critical Business Platforms & Payments infrastructure. As a Senior Payments Engineer, you will own the technical delivery of strategic Cards Platform projects, major enhancements, and Business-As-Usual (BAU) demands. This role requires a strong engineering background in credit/debit card processing systems, merchant/acquiring solutions, and high-performance payment switch integrations, working seamlessly within fast-paced Agile squads. Key Responsibilities 1. Product Engineering & Lifecycle Management Drive end-to-end technical delivery for card platforms, managing complex requirement analysis, systems design, and seamless third-party vendor integrations. Lead technical execution across card lifecycle initiatives, including enhancements to payment processing, clearing, settlement, and chargeback workflows. Collaborate actively within cross-functional Agile squads to translate business requirements into highly secure, stable, and scalable payment solutions. 2. Cards Acquiring & Payment Systems Integration Design and maintain robust components supporting the Cards Acquiring ecosystem, merchant processing frameworks, and payment gateways. Oversee system integrations with global card schemes (e.g., Visa, Mastercard) and regional payment networks, ensuring strict compliance with financial standards. Support continuous improvement initiatives to enhance transaction success rates, lower latency, and modernize merchant onboarding platforms. 3. Testing, Release & Production Stability Provide advanced technical oversight during system integration testing (SIT) and user acceptance testing (UAT), quickly resolving critical engineering defects. Coordinate complex code release management activities, ensuring zero-downtime deployments across highly regulated payment platform environments. Act as a Tier-3 escalation point for production support, driving rapid incident management, root-cause analysis (RCA), and continuous platform stability. Technical Specifications & Skills Core Cards & Payments Expertise (Essential) Cards Domain: Comprehensive technical knowledge of Cards Issuing or Cards Acquiring platform engineering. Acquiring Systems: Solid hands-on experience with merchant processing, POS/mPOS terminals, e-commerce payment gateways, and clearing/settlement protocols. Financial Protocols: Deep understanding of messaging standards and payment switch protocols (e.g., ISO 8583 , AS2805, or EMV compliance frameworks). Core Engineering: Strong database skills (SQL/Oracle) and experience with backend application frameworks used to build high-throughput, low-latency transaction processing services. Engineering & Framework Practices Strong experience working inside Agile/Scrum software delivery environments. Familiarity with enterprise ticketing and defect tracking systems (e.g., Jira, ServiceNow). Understanding of security and compliance frameworks mandatory in payment card industries (e.g., PCI-DSS ). Qualifications & Experience Education: Bachelor's or Master's degree in Computer Science, Software Engineering, Information Technology, or a strictly equivalent technical discipline. Experience: Proven track record in a Senior Software or Product Engineering role explicitly focused on Cards and Payments systems within a Bank, Fintech, or Payment Service Provider (PSP). Soft Skills: Exceptional analytical and debugging capabilities, a proactive problem-solving mindset, and the interpersonal skills necessary to coordinate effortlessly between business units and core engineering teams.

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