Solutions Architect – Digital Payments / FinTech
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Key skills for this role
About the Role
XAD Technologies is seeking an experienced Solutions Architect to lead the design and delivery of secure, scalable digital financial solutions. The role involves translating business requirements into end-to-end technical architectures for digital payments, wallets, card systems, and more.
Key Skills for This Role
Responsibilities
- Design end to end solution architectures for digital payment platforms, mobile wallets, merchant acquiring, payment gateways, remittances, and embedded finance solutions
- Define architecture blueprints, integration patterns, and technical roadmaps aligned with business objectives
- Lead architecture discussions with business stakeholders, product teams, development teams, vendors, and financial institutions
- Design and oversee API led integrations with banks, payment processors, card schemes, fintech partners, KYC providers, AML systems, and third party platforms
- Architect secure payment solutions in compliance with PCI DSS, ISO 27001, regulatory requirements, and industry best practices
- Develop scalable microservices, cloud native, and event driven architectures supporting high transaction volumes and availability requirements
- Evaluate and recommend technologies, platforms, and frameworks to support business growth and digital transformation initiatives
- Ensure solution designs meet performance, reliability, scalability, security, and disaster recovery requirements
- Provide technical leadership throughout project lifecycles from solution design to deployment and post production support
- Collaborate with development teams to ensure adherence to architecture standards and governance frameworks
- Conduct architecture reviews, technical assessments, and risk evaluations
- Support pre sales activities, solution proposals, effort estimations, and client presentations when required
Requirements
- 8–12+ years of experience in software architecture, enterprise architecture, or solution architecture roles
- Minimum 5 years of experience within Digital Payments, FinTech, Banking, or Financial Services
- Proven experience delivering large scale payment platforms and financial technology solutions
- Strong understanding of payment processing, transaction flows, settlement, reconciliation, and regulatory compliance
- Experience working with banks, payment service providers, fintech companies, and regulatory stakeholders
- Bachelor's Degree in Computer Science, Information Technology, Engineering, or related field
- TOGAF, AWS Solutions Architect, Azure Architect, or equivalent certifications preferred
Full Job Posting
Job Summary
- Seeking an experienced Solutions Architect – Digital Payments / FinTech to lead the design and delivery of secure, scalable, and innovative digital financial solutions.
- Responsible for translating business requirements into end to end technical architectures across digital payments, wallets, card systems, remittances, merchant acquiring, open banking, and financial services platforms.
Key Responsibilities
- Design end to end solution architectures for digital payment platforms, mobile wallets, merchant acquiring, payment gateways, remittances, and embedded finance solutions.
- Define architecture blueprints, integration patterns, and technical roadmaps aligned with business objectives.
- Lead architecture discussions with business stakeholders, product teams, development teams, vendors, and financial institutions.
- Design and oversee API led integrations with banks, payment processors, card schemes, fintech partners, KYC providers, AML systems, and third party platforms.
- Architect secure payment solutions in compliance with PCI DSS, ISO 27001, regulatory requirements, and industry best practices.
- Develop scalable microservices, cloud native, and event driven architectures supporting high transaction volumes and availability requirements.
- Evaluate and recommend technologies, platforms, and frameworks to support business growth and digital transformation initiatives.
- Ensure solution designs meet performance, reliability, scalability, security, and disaster recovery requirements.
- Provide technical leadership throughout project lifecycles from solution design to deployment and post production support.
- Collaborate with development teams to ensure adherence to architecture standards and governance frameworks.
- Conduct architecture reviews, technical assessments, and risk evaluations.
- Support pre sales activities, solution proposals, effort estimations, and client presentations when required.
Qualifications
- Bachelor's Degree in Computer Science, Information Technology, Engineering, or a related field.
- Master's Degree or relevant certifications are advantageous.
- TOGAF, AWS Solutions Architect, Azure Architect, or equivalent certifications preferred.
- 8–12+ years of experience in software architecture, enterprise architecture, or solution architecture roles.
- Minimum 5 years of experience within Digital Payments, FinTech, Banking, or Financial Services.
- Proven experience delivering large scale payment platforms and financial technology solutions.
- Strong understanding of payment processing, transaction flows, settlement, reconciliation, and regulatory compliance.
- Experience working with banks, payment service providers, fintech companies, and regulatory stakeholders.
Key Areas of Expertise
- Digital Wallets, Mobile Money Platforms, Payment Gateways, Merchant Acquiring, Card Issuing & Processing, QR Payments, P2P Transfers, International Remittances, Open Banking & Open Finance, Digital Lending, Embedded Finance, Buy Now Pay Later (BNPL), KYC / AML Integration, Fraud Management Systems,
Technical Skills
- Enterprise Solution Architecture, Microservices Architecture, RESTful APIs & API Management, Event Driven Architecture, Cloud Platforms (AWS, Azure, GCP), Kubernetes & Docker, Integration Middleware & ESB Platforms, SQL / NoSQL Databases, DevSecOps Practices, Identity & Access Management (IAM), OAut
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