Solution Architect – Payments

15 - 20 years

24 - 29 Lacs

Posted:5 hours ago| Platform: Naukri logo

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Job Type

Full Time

Job Description

Job title

Solution Architect – Payments

Location

India

Experience

15+ years

Job Duties

Role Summary

Solution Architect – Payments

business, product, and technology stakeholders

 

Key responsibilities

1.      Architecture Ownership & Design Leadership

  • Define and govern the

    end-to-end architecture

    for payment systems, ensuring scalability, resilience, and compliance with global standards.
  • Architect solutions that enable

    real-time processing, ISO 20022 migration, SWIFT gpi enablement

    , and modernization of legacy payment hubs.
  • Lead design of

    microservices-based, event-driven architectures

    , with strong focus on

    API-first, cloud-native, and containerized

    deployment models.
  • Evaluate and recommend appropriate

    messaging, integration, and database technologies

    for high-volume transaction systems.
  • Create

    architecture blueprints, design documents, and integration patterns

    , ensuring alignment with enterprise standards.

2. Technical Governance & Stakeholder Alignment

  • Work closely with

    Payments Product Owners, Transformation Leads, and Technology Heads

    to align architecture with business roadmaps.
  • Provide technical leadership across multiple development streams and ensure adherence to design principles and best practices.
  • Define

    non-functional requirements (NFRs)

    for performance, security, scalability, observability, and regulatory compliance.
  • Support

    solution design reviews

    , impact assessments, and technical due diligence for new product initiatives or vendor onboarding.

3. Payments Domain Expertise

  • Bring deep understanding of

    global payment schemes

    (SWIFT, SEPA, RTP, FedNow, ACH, UPI) and

    cross-border transaction processing

    .
  • Lead design of

    message transformation frameworks (MT–MX)

    ,

    ISO 20022 schema validation

    , and

    rule-based orchestration engines

    .
  • Oversee integration with

    AML, sanctions screening, liquidity, and reconciliation

    systems for end-to-end transaction integrity.
  • Ensure solutions are compliant with

    PSD2, CBPR+, UETR

    , and other emerging industry and regulatory standards.

4. Emerging Technology & Platform Strategy

  • Define the roadmap for

    payments platform modernization

    , leveraging

    API gateways, event streaming (Kafka), and cloud-native solutions

    .
  • Evaluate

    vendor products and accelerators

    (e.g., VolPay, Finastra, FIS, Temenos, Murex Payments) for alignment with CRISIL and client strategy.
  • Promote

    DevSecOps, observability, and automation-first principles

    across payment delivery pipelines.
  • Advise on

    performance tuning, fault tolerance, and scalability

    for high-throughput transaction platforms.

Qualification

        Bachelor’s or Master’s degree in Computer Science, Engineering, or related discipline.

        Certifications such as TOGAF, AWS Certified Solutions Architect, or Certified Payments Professional (CPP) preferred

Skills Required

7+ years in payments systems architecture and engineering leadership

Java (11+), Spring Boot, Microservices, REST APIs, and event-driven architectures

payment system integration

ISO 20022, SWIFT MT/MX standards

cloud-native, API-first, and containerized solutions (AWS, Azure, or GCP)

streaming platforms (Kafka), caching systems (Redis), and distributed databases

security architecture

Agile environments

        Excellent communication and stakeholder management skills to engage both technical and business audiences.

About Crisil Integral IQ:

Crisil Integral IQ includes Irevna, Pipal Research and Coalition, firms which were acquired by Crisil. For more information, please visit www.irevna.com, www.pipalresearch.com and www.coalition.com

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Financial Services

Mumbai Maharashtra

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