Senior System Architect

Job Title

Senior System Architect – Core Banking, Payments & Cards

Location

Onsite

Experience

6+ years in software engineering and system architecture, deeply involvement in FinTech domain expertise

Role Overview

We 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

• Architect and design core banking platforms, including customer accounts, wallets, ledgers, balances, and transaction lifecycle management.
• Design and own double-entry ledger systems, ensuring accuracy, auditability, reconciliation, and regulatory compliance.
• Define database schemas for high-volume financial transactions, balances, settlements, fees, chargebacks, and reporting.
• Lead architecture for payments processing (inbound/outbound transfers, SEPA, SWIFT, FPS, card payments).
• Design card issuing and processing systems, including authorization flows, clearing, settlement, limits, and disputes.
• Ensure real-time balance updates, idempotency, consistency, and fault tolerance across systems.
• Drive architectural decisions around microservices, event-driven architectures, and API-first design.
• Work closely with compliance, risk, AML, and operations teams to ensure systems meet regulatory and audit requirements.
• Oversee integrations with payment processors, card schemes, BaaS providers, and third-party financial services.
• Provide hands-on technical guidance, code reviews, and architectural reviews to engineering teams.
• Define standards for security, encryption, access control, logging, and monitoring in financial systems.
• Produce high-quality architecture documentation, diagrams, and technical design specifications.

Required Skills & Experience

Core FinTech Expertise

• Proven experience architecting Core Banking systems, digital wallets, payment gateways, or card issuing platforms.
• Strong understanding of double-entry accounting, ledger design, balance segregation, and reconciliation processes.
• Hands-on experience with high-throughput transaction systems and financial data consistency.
• Experience designing systems that support authorization, clearing, settlement, refunds, chargebacks, and disputes.

Technical Skills

• Strong backend development experience (e.g. Node.js etc).
• Advanced expertise in relational database design (PostgreSQL, MySQL) with exposure to NoSQL and event stores.
• Experience with distributed systems, eventual consistency, and fault-tolerant architectures.
• Strong knowledge of API design, REST/GraphQL, and asynchronous messaging (Kafka, RabbitMQ, etc.).
• Cloud-native architecture experience (AWS, Azure, or GCP).

Security & Compliance

• Solid understanding of PCI DSS, AML/KYC, GDPR, and financial regulatory requirements.
• Experience designing secure systems with encryption, key management, role-based access control, and audit logging.

Communication & Leadership

• Outstanding English communication skills (written and verbal).
• Ability to lead architecture discussions with technical and non-technical stakeholders.
• Strong decision-making and mentoring abilities.

Nice to Have

• Experience with card schemes (Visa, Mastercard) and processors.
• Experience with BaaS platforms or building in-house core banking solutions.
• Exposure to event sourcing, CQRS, or financial ledger frameworks.
• Background in regulated or licensed financial institutions.

What We Offer

• Key role in building and evolving a modern Core Banking and Payments platform.
• High ownership of architectural decisions impacting mission-critical systems.
• Opportunity to work on large-scale, real-time financial systems.
• Competitive compensation aligned with seniority and expertise.
• Salary starting from 400k. Depends on the experience and skill set.

Job Type: Full-time

Pay: From Rs400,000.00 per month

Work Location: In person