Enterprise Architect (Payment Domain)

Experience: 15 to 20 years

Domain: Cards, Payments, Banking, Financial Services

Primary focus: Payment architecture and solution modernization

Architecture scope: Enterprise, solution and integration architecture

Role summary

We are looking for an experienced Payment Solution Architect with robust expertise in the payments domain and a proven track record of designing and delivering large-scale payment solutions.

The candidate should possess deep knowledge of card payment processing, payment gateways, issuer and acquirer systems, card networks, tokenization and payment messaging standards.

The role involves defining end-to-end solution architecture, driving payment platform modernization, providing technical leadership and working closely with business stakeholders, product teams and engineering teams.

Key responsibilities

1. Define end-to-end architecture for payment processing platforms and financial services solutions.
2. Design solutions covering authorization, clearing, settlement, reconciliation, disputes and chargebacks.
3. Architect payment gateway, issuer processing, acquiring and card management solutions.
4. Define integration architecture using ISO 8583, ISO 20022, REST APIs, messaging and event-driven patterns.
5. Drive modernization of legacy payment platforms into scalable, cloud-native and microservices-based architectures.
6. Design tokenization solutions covering token provisioning, lifecycle management, token vaults and network token integration.
7. Ensure compliance with PCI DSS, data security, encryption and payment industry standards.
8.



Define high availability, disaster recovery, scalability and performance strategies.
9. Develop architecture artefacts including HLDs, LLDs, sequence diagrams, integration diagrams and ADRs.
10. Provide technical leadership to development teams and participate in architecture reviews.
11. Engage with clients, business stakeholders and product teams to translate requirements into technical solutions.
12. Contribute to RFPs, proposals, solution estimations and technical presentations.

Mandatory technical and domain skills

1. Payment domain
2. Issuing, acquiring, authorization, clearing and settlement, Card networks
3. Visa, Mastercard and their processing ecosystems
4. Messaging, ISO 8583, ISO 20022, Payment systems, Payment gateway, switch, processor, card management, Disputes, Chargebacks, representment and dispute lifecycle
5. Tokenization, Network tokens, token vault, TSP integration
6. REST APIs, MQ, Kafka, event-driven architecture
7. Microservices, DDD, distributed systems
8. PCI DSS, HSM, encryption, key management

9. Cloud: AWS or Azure
10. Documentation: HLD, LLD, sequence diagrams, ADRs

Desired experience

- 15+ years in software engineering and architecture.
- At least 7+ years in payment domain architecture or solution design.
- Experience architecting enterprise-scale payment platforms.
- Experience modernizing monolithic payment systems.
- Experience working with international payment networks, banks, processors or fintech companies.
- Experience providing architecture leadership across multiple engineering teams.

📌 Enterprise Architect (Pune)
🏢 Opus Technologies
📍 Pune