Qureos Mentor

FGC-Capital

Job TitleSenior System Architect &ndash; Core Banking, Payments &amp; CardsLocationOnsiteExperience6+ years in software engineering and system architecture, deeply involvement in FinTech domain expertiseRole OverviewWe are seeking a Senior System Architect with extensive experience in Core Banking, Payments, Wallets, and Card-based systems. This role requires a hands-on architect who can design highly reliable, secure, and scalable financial platforms, with a strong focus on ledger-based accounting, balance management, transaction processing, and regulatory compliance. Exceptional English communication skills are essential for collaborating with global stakeholders and senior leadership.Key Responsibilities<ul><li>Architect and design core banking platforms, including customer accounts, wallets, ledgers, balances, and transaction lifecycle management.</li><li>Design and own double-entry ledger systems, ensuring accuracy, auditability, reconciliation, and regulatory compliance.</li><li>Define database schemas for high-volume financial transactions, balances, settlements, fees, chargebacks, and reporting.</li><li>Lead architecture for payments processing (inbound/outbound transfers, SEPA, SWIFT, FPS, card payments).</li><li>Design card issuing and processing systems, including authorization flows, clearing, settlement, limits, and disputes.</li><li>Ensure real-time balance updates, idempotency, consistency, and fault tolerance across systems.</li><li>Drive architectural decisions around microservices, event-driven architectures, and API-first design.</li><li>Work closely with compliance, risk, AML, and operations teams to ensure systems meet regulatory and audit requirements.</li><li>Oversee integrations with payment processors, card schemes, BaaS providers, and third-party financial services.</li><li>Provide hands-on technical guidance, code reviews, and architectural reviews to engineering teams.</li><li>Define standards for security, encryption, access control, logging, and monitoring in financial systems.</li><li>Produce high-quality architecture documentation, diagrams, and technical design specifications.</li></ul>Required Skills &amp; ExperienceCore FinTech Expertise<ul><li>Proven experience architecting Core Banking systems, digital wallets, payment gateways, or card issuing platforms.</li><li>Strong understanding of double-entry accounting, ledger design, balance segregation, and reconciliation processes.</li><li>Hands-on experience with high-throughput transaction systems and financial data consistency.</li><li>Experience designing systems that support authorization, clearing, settlement, refunds, chargebacks, and disputes.</li></ul>Technical Skills<ul><li>Strong backend development experience (e.g. Node.js etc).</li><li>Advanced expertise in relational database design (PostgreSQL, MySQL) with exposure to NoSQL and event stores.</li><li>Experience with distributed systems, eventual consistency, and fault-tolerant architectures.</li><li>Strong knowledge of API design, REST/GraphQL, and asynchronous messaging (Kafka, RabbitMQ, etc.).</li><li>Cloud-native architecture experience (AWS, Azure, or GCP).</li></ul>Security &amp; Compliance<ul><li>Solid understanding of PCI DSS, AML/KYC, GDPR, and financial regulatory requirements.</li><li>Experience designing secure systems with encryption, key management, role-based access control, and audit logging.</li></ul>Communication &amp; Leadership<ul><li>Outstanding English communication skills (written and verbal).</li><li>Ability to lead architecture discussions with technical and non-technical stakeholders.</li><li>Strong decision-making and mentoring abilities.</li></ul>Nice to Have<ul><li>Experience with card schemes (Visa, Mastercard) and processors.</li><li>Experience with BaaS platforms or building in-house core banking solutions.</li><li>Exposure to event sourcing, CQRS, or financial ledger frameworks.</li><li>Background in regulated or licensed financial institutions.</li></ul>What We Offer<ul><li>Key role in building and evolving a modern Core Banking and Payments platform.</li><li>High ownership of architectural decisions impacting mission-critical systems.</li><li>Opportunity to work on large-scale, real-time financial systems.</li><li>Competitive compensation aligned with seniority and expertise.</li><li>Salary starting from 400k. Depends on the experience and skill set.</li></ul>Job Type: Full-timePay: From Rs400,000.00 per monthWork Location: In person

Senior System Architect

Join FGC-Capital and explore 1   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

FGC-Capital

About Company

Senior System Architect