Solutions Architect – Digital Payments / FinTech

Job Summary

We are seeking an experienced Solutions Architect – Digital Payments / FinTech to lead the design and delivery of secure, scalable, and innovative digital financial solutions. The role will be 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.

The ideal candidate will possess strong expertise in payment ecosystems, system integration, cloud architecture, APIs, security frameworks, and digital banking technologies while collaborating with product, business, engineering, and external partners.

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.

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
• Banking & Financial Services Integrations

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)
• OAuth 2.0, OpenID Connect, JWT
• PCI-DSS & Financial Security Standards
• High Availability & Disaster Recovery Design

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.

Experience 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.

Preferred Certifications

• TOGAF
• AWS Certified Solutions