Lead Full Stack Engineer, Payments Architecture

Key Responsibilities

• Individual Contributor role with cross-squad technical authority (no direct line management). • Define target-state architecture, design principles, and technical guardrails for PTR delivery. • Unblock WS2 R5-R10 with implementation-ready designs for service consolidation, atomicity, idempotency, and per-market isolation. • Lead WS4 multi-attribute anomaly detection design (Velocity, Value, Behaviour, Beneficiary) with business and risk stakeholders. • Govern cross-workstream design quality to prevent architectural drift and control gaps. • Translate approved architecture into clear delivery sequencing, dependencies, and technical decision records. • Provide technical assurance inputs for production readiness, resilience, and control effectiveness in a BC5/S-BIA5 environment.
• Solving high-impact reliability and control problems in mission-critical payment systems. Driving measurable stability and risk reduction across a multi-market platform. • Converting complex architecture into practical delivery outcomes at pace. • Driving measurable stability and risk reduction across a multi-market platform

Must-have Skills

• Payments Domain Architecture and Knowledge
• Full Stack Developer with strong focus in Backend Development and APIs
• Java / GoLang / Messaging / DB
• ADO/Confluence/Pipeline
• Distributed Systems Reliability (Atomicity, Idempotency, Consistency)
• Service Decomposition and Integration Architecture

Other Skills

• Stakeholder Management (Business, Risk, Ops, Engineering)
• Reliability Engineering and Incident Pattern Analysis.
• Architecture-to-Backlog Translation
• Data-led Anomaly Detection Solution Design

Key Experiences

Certifications / Qualifications

• Degree in Computer Science, Engineering, or equivalent practical experience.
• Architecture/payments certifications preferred.

Languages

About Standard Chartered

What we offer

• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.