Solution Architect - Payments

• 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.

• 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.

• 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.

• 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

• 15+ years of total experience, with

  7+ years in payments systems architecture and engineering leadership

  .
• Strong hands-on background in

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

  .
• Expertise in

  payment system integration

  with SWIFT, SEPA, RTP, FedNow, and other real-time clearing systems.
• Deep understanding of

  ISO 20022, SWIFT MT/MX standards

  , and

  message translation/orchestration frameworks

  .
• Proven experience architecting

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

  .
• Knowledge of

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

  .
• Strong focus on

  security architecture

  , including

  OAuth2/JWT, encryption, key management

  , and regulatory compliance.
• Experience working in

  Agile environments

  , influencing architecture decisions across distributed delivery teams.
• Excellent communication and stakeholder management skills to engage both technical and business audiences.