Lead Engineer / Architect - Payments & AI It's fun to work in a company where people truly BELIEVE in what they are doing! We're committed to bringing passion and customer focus to the business.

Role Overview: We are looking for a hands-on Lead Engineer / Architect with strong payments, transaction processing, and AI/agent engineering experience to design and build AI-driven solutions capable of executing end-to-end transactions across multiple markets. The role will own the technical solution from requirements and architecture through agent development, payment integration, testing, and successful transaction execution.

Key Responsibilities: Design and build AI agents capable of initiating, processing, and completing end-to-end payment transactions . Understand the payment transaction lifecycle and translate payment requirements into agent workflows, business rules, APIs, and system integrations. Analyze market-specific payment requirements and variations and design configurable, reusable solutions.

Define architecture for agent orchestration, transaction state management, tool/API invocation, exception handling, retries, and recovery. Integrate agents with payment platforms, gateways, transaction processing systems, APIs, and enterprise services . Define appropriate boundaries between AI-driven decisioning and deterministic payment/business logic.

Develop primarily using Python , LLMs, and appropriate agent frameworks. Implement security, authorization, auditability, observability, and guardrails around agent-driven payment actions. Lead end-to-end testing and demonstrate successful transaction execution for each target market.

Provide hands-on technical leadership, conduct design/code reviews, and mentor engineers.

Required Experience: 10 years of software engineering experience , including architecture and technical leadership. Strong hands-on Python development experience. Proven experience designing and building LLM/GenAI applications and AI agents . Strong understanding of payments and transaction processing .

Experience with payment APIs, gateways,



transaction processing platforms, or payment services. Strong understanding of payment lifecycle concepts such as transaction initiation, authorization, processing, transaction status, exceptions, and completion . Strong experience with REST APIs, microservices, distributed systems, and cloud platforms.

Experience designing enterprise integrations and event-driven architectures.

Experience with AWS, Azure, or GCP.

AI / Agent Experience: Experience building AI agents and agent-based workflows.

Experience with agent orchestration, tool/function calling, structured outputs, and LLM integration.

Experience with frameworks such as LangGraph, LangChain, CrewAI, or equivalent .

Experience implementing AI guardrails, evaluation, observability, and human-in-the-loop controls. Ability to determine where AI should be used versus deterministic rules within payment workflows.

Preferred Experience: Experience across multiple payment markets or regional payment ecosystems . Knowledge of payment authorization, clearing, settlement, reconciliation, fraud/risk, disputes, or exception management.

Experience with Kafka or other event-streaming technologies.

Experience designing configurable architectures supporting market-specific payment variations.

Success Criteria: The successful candidate will be able to take a payment transaction requirement, design the agent and supporting architecture, build the solution, integrate with the required payment systems, and demonstrate a successfully completed transaction for each designated market. This is a hands-on architecture and engineering role. The candidate must be comfortable coding, debugging, integrating payment systems, and owning the end-to-end technical solution.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us! Not the right fit? Let us know you're interested in a future opportunity by clicking Introduce Yourself in the top-right corner of the page or create an account to set up email alerts as recent job postings become available that meet your interest!

Experience Level Senior Level

📌 Lead Engineer and Architect - Payments and Artificial Intelligence (Mumbai)
🏢 Fractal Analytics Private
📍 Mumbai