Job Title:Payment Gateway SME and Designer Experience:10-15 Years Location - Bangalore We are seeking a Payment Gateway Subject Matter Expert (SME)/Designer to lead the design, implementation, and optimization of our payment gateway solutions. This role requires deep expertise in payment processing, architecture, and compliance standards, with a focus on creating secure and scalable solutions that align with business needs. Domain & Technical Knowledge

In-depth understanding of the Payment processing and payment gateway value chains.

Experience in modelling the solutions for client requirements.

Relevant Payment gateway working experience and exposure on a Cards acquiring and issuing platform.

Functional & Technical knowledge of Payment processors, payment gateways, wallet transactions, E-Com and solutioning expertise of Transaction authorization, Terminal network key management, Dynamic Transaction routing, Transaction verification and risk management modules.

Good understanding of Merchant reporting, statements, settlement, Disputes and Chargebacks, Loyalty management and Reconciliation process

Good Knowledge on messaging protocols like SPDH (MNSP), ISO2002, BIC-ISO, ISO 8583, REST API, SOAP API and Customer tailor-made

Hands on experience in Merchant processors (Acquiring) Payment gateways integration, Payment service providers, Token vault and Tokenization Service providers.

Should have Hands on experience with Digital Payment systems Digital Wallets, Mobile Money, Mobile Banking, Chatbot Payment.

Experience working on large strategic initiatives and building enterprise applications using
Java.

RESTful API, SOAP Web services, Integration Architectures experience is a
MUST.

Roles and Responsibilities

Create and lead the technical design and development of software solutions.

Design and Develop secure, scalable payment gateway solutions, including API and protocol design for seamless integration.

Act as the SME on payment gateway architecture, advising on best practices, security protocols, and industry compliance standards (e.g., PCI DSS).

Collaborate with Cross-Functional Teams (Product, Compliance, Operations) to ensure alignment with business goals and user needs.

Lead Risk Management efforts, implementing fraud prevention, encryption, and other security measures.

Drive Innovation by evaluating and integrating emerging technologies to improve system performance and user experience

Propose & design software solutions to address complex business needs. Prepares technical and procedural documentation required.

Ability to clearly chart out functional, technical, parameter, environment & interface aspects of the solution when provided with a complex problem or requirement.

Design and maintain APIs, services, and different payment sources.

Work with API developers across the teams to build new API features at large-scale.

Provide technical guidance and support to colleagues.

Apply modern principles, methodologies, and tools to advance business initiatives and capabilities.

Articulate and facilitate conversations with business owners and delivery teams.

Soft Skills:Excellent Customer Management and Communication skills, analytical and presentation skills, problem solving skills and learning attitude.
Desired Skills:

Good Understanding of cards acquiring process.

Worked in RFI/RFP process involving switch,
Payment Gateways, Payment Processors, digital wallets and acquiring requirements.

Experience of working in an Agile/Devops Environment is a definite plus

Knowledge of cloud computing concepts

Experience with event driven architecture such as Kafka

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Payment Gateway SME and Designer