Payments Architect – Solution Architecture, Real-Time Payments & Banking Platforms

Skills:
Payments Architecture | Fintech Systems | Real-Time Payments | API-First Design | Microservices | Distributed Systems | Cloud Architecture | Security & Compliance

Department: Architecture / Fintech / Payments Engineering
Employment Type: Full Time
Work Mode: Onsite / Hybrid / Remote
Experience: 10–18 Years

About the Role

We are seeking an experienced Payments Architect to lead the design and architecture of scalable, secure, and resilient payment processing systems across global markets.

This role requires deep expertise in payments, fintech, and corporate banking systems, along with the ability to translate complex business requirements into robust architecture solutions. You will play a critical role in shaping end-to-end payment ecosystems, including initiation, validation, routing, clearing, and settlement across multiple payment rails.

You will collaborate closely with product, business, and engineering teams to define architecture strategies, ensure alignment with enterprise standards, and drive successful delivery of high-impact fintech solutions.

Key Responsibilities

Solution Architecture & Design

• Define and govern end-to-end architecture for payment processing systems
• Translate business requirements into scalable architecture blueprints and solution designs
• Design systems supporting:
  • Real-time payments
  • Cross-border transactions
  • High-volume transaction processing
• Define integration patterns across payment platforms and banking systems
• Evaluate system impacts across existing applications and infrastructure
• Produce architecture documentation and design artifacts

Payments Platform & Domain Expertise

• Provide deep expertise across:
  • Payment initiation and orchestration
  • Screening, routing, clearing, and settlement
• Design systems supporting:
  • Corporate banking functions (payments, liquidity, trade finance)
  • Virtual account management
• Understand and implement global payment schemes and standards
• Ensure compliance with regulatory and operational requirements

Integration & Distributed Systems

• Design API-first, event-driven architectures for payment platforms
• Integrate with payment networks such as:
  • SWIFT
  • SEPA
  • RTP / Instant payment systems
• Build scalable solutions using:
  • Microservices architecture
  • Messaging and streaming platforms (Kafka)
• Ensure high availability, fault tolerance, and performance

Cloud & Platform Architecture

• Architect cloud-native solutions on AWS, Azure, or GCP
• Design containerized and scalable deployments using Kubernetes
• Implement API gateways, service mesh, and backend services
• Optimize systems for scalability, latency, and cost

Security & Compliance

• Design secure payment systems with:
  • Encryption and key management
  • OAuth2 / JWT authentication
  • Data protection and fraud prevention mechanisms
• Ensure compliance with financial regulations and standards
• Incorporate security best practices across architecture layers

Stakeholder Engagement & Delivery

• Collaborate with:
  • Business stakeholders
  • Product teams
  • Engineering and delivery teams
• Act as a bridge between business requirements and technical solutions
• Support delivery teams throughout the lifecycle:
  • Design
  • Development
  • Testing
  • Deployment
• Conduct architecture reviews and governance approvals

Architecture Governance

• Ensure adherence to:
  • Enterprise architecture standards
  • Technology frameworks
  • Security guidelines
• Define non-functional requirements:
  • Scalability
  • Performance
  • Resilience
• Evaluate new technologies, tools, and vendor solutions

Required Qualifications

• Bachelor’s or Master’s degree in Computer Science, Engineering, or related field
• 10+ years of experience in technology, with at least 5+ years in payments architecture
• Strong experience designing enterprise-scale payment systems
• Deep understanding of:
  • Payment processing workflows
  • Banking and financial systems
• Strong technical background in:
  • Java (11+), Spring Boot
  • Microservices architecture
  • REST APIs

Technical Skills

Payments & Fintech Systems

• SWIFT, SEPA, RTP, FedNow, and other payment rails
• Payment gateways and transaction processing systems

Architecture & Design

• Microservices and event-driven architectures
• Distributed systems and integration patterns

Cloud & Infrastructure

• AWS, Azure, or GCP
• Kubernetes, containerization

Data & Streaming

• Kafka or similar streaming platforms
• Distributed databases and caching systems (Redis)

Security

• OAuth2, JWT, encryption, key management
• Regulatory compliance frameworks

Professional Competencies

• Strong analytical and architectural thinking
• Ability to design scalable and secure solutions
• Excellent stakeholder communication and collaboration skills
• Ability to influence architecture decisions across teams
• Strong problem-solving and decision-making skills
• Experience working in Agile and distributed team environments

Why This Role is High Impact

• Design and build next-generation payment systems at scale
• Work on real-time, high-volume transaction platforms
• Influence architecture strategy and fintech innovation
• Solve complex challenges in global payments and banking systems
• Collaborate across business and technology to deliver impactful solutions

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