Solution Architect – Payments

Job title

Location

Experience

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