Engineering Lead: Domestic & Cross Border Payments

JOB SUMMARY

• Engineering Lead - Cross Border and Domestic Retail Payments with a strong background in API development, microservices architecture and ISO message integration along with deep expertise in retail banking.
• The ideal candidate will drive solution, architecture, design, and delivery ensuring compliance with security and governance standards with fostering innovation and efficiency in digital payment solutions.

Key Responsibilities:

Solution Architecture & Engineering Excellence:

• Design robust API-driven microservices solutions for retail payments, ensuring scalability, security, and compliance.
• Define end-to-end solution architecture for payment applications, ensuring alignment with business and regulatory requirements.
• Collaborate with stakeholders to translate business requirements into scalable and maintainable technology solutions.
• Ensure seamless integration of payment systems with other banking platforms and third-party services.
• conduct performance optimization and implement best practices to enhance reliability and scalability.

Governance, Security and Compliance:

• Identify and implement security controls by collaborating with Security teams.
• Ensure adherence to regulatory compliance, risk mitigation and governance policies.
• Conduct Security impact assessments to mitigate potential risks throughout the delivery lifecycle.
• Ensure adherence to enterprise technology standards and best practices in payment system design and implementation.

Collaboration and Alignment:

• Work Closely with Product Owners, Security and Chapters to define and implement Solutions.
• Provide technical leadership and mentorship to development teams, ensuring high-quality software delivery.
• Collaborate with cross-functional teams for successful implementation and deployment of payment solutions.
• Actively participate in Solution reviews and architectural governance forums.

Innovation & Continuous Improvement:

• Stay updated on emerging technologies in payment space.
• Foster a culture of innovation by driving modernization initiatives and continuous improvement strategies.
• Align technical solutions with the organization long-term technology vision and business goals.
• Leverage automation CI/CD and Sec Devops practices to improve software development efficiency.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Qualification

• EducationB TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 8 to 12Years

Role Specific Technical Competencies

• Knowledge of ATM/POS switching, Debit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards
• Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
• Experience with an EFT transaction switching and processing.
• Familiarity on PCI DSS and PA DSS compliance requirements
• Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
• Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be a added Advantage
• Experience in Web Service integration and API's
• Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• Excellent in preparing the Solution Architecture document, Functional and technical spec
• Excellent problem-solving, team, and time management skills.
• Experience in Programming Languages and other emerging technologies
• Experience in Cloud Services