System Design Architect - Payment System

Summary:

The role is responsible for defining and driving the technology architecture, solution design, modernization roadmap, and engineering governance for the organization’s Payment Systems Vertical, including Low-Value and High-Value Payment Systems.
The incumbent will play a strategic role in designing and governing national-scale payment platforms, ensuring that the solutions are secure, scalable, resilient, interoperable, standards-compliant, and future-ready.
The role requires strong expertise in payment system architecture, enterprise integration, message-based systems, high-throughput transaction platforms, open-source technology adoption, and secure financial application design.
The candidate is expected to work closely with the Vertical Head, business teams, product teams, engineering teams, infrastructure teams, security teams, and external ecosystem stakeholders for architecting and evolving payment solutions.

Education:

B.E/ B.Tech/M.Tech/MCA(Computer/IT)

Experience:

The ideal candidate should have a minimum of 12 years of overall experience in enterprise technology, software engineering, or solution architecture, with at least 8 years of significant experience in payment systems, financial transaction platforms, or banking technology ecosystems.
The candidate should have demonstrated experience in designing and governing high-volume transaction processing systems, mission-critical OLTP applications, and enterprise-scale financial platforms. Exposure to environments involving payment hubs, switching platforms, clearing and settlement systems, interbank transaction processing, and national-scale payment infrastructures will be highly preferred.
The role demands not only technical depth but also the ability to make architecture decisions in the context of business continuity, performance, security, interoperability, and operational sustainability.

Certifications:

Professional certifications in system design, software design, architecture, security, database, cloud, and financial messaging domains will be mandatory.
Certifications such as TOGAF, Enterprise Architecture certifications, Cloud Architecture certifications, CISSP / CSSLP, Oracle-related certifications, and exposure to financial messaging / payment standards would strengthen the candidate’s profile.
Relevant hands-on experience in architecting large-scale payment systems will be of greater importance.

Knowledge:

The candidate should possess strong conceptual and practical knowledge of payment system workflows, including low-value and high-value payment processing, transaction lifecycle management, clearing and settlement concepts, financial and non-financial message handling, reconciliation, exception processing, and interbank transaction flows.
The role also requires a clear understanding of how modern payment systems are designed to support operational reliability, message integrity, auditability, interoperability, security, and regulatory alignment. The candidate should be comfortable working at the intersection of business processes, enterprise architecture, application engineering, and financial ecosystem integration.
In addition to domain and architecture knowledge, the candidate should possess a sound understanding of technology platform selection and engineering stack adoption, particularly in the context of enterprise-scale open-source technologies. The role requires the ability to evaluate and recommend technology choices based on functional fit, long-term maintainability, security posture, performance characteristics, community maturity, supportability, licensing implications, and total cost of ownership.

Technical Skills:

The ideal candidate should possess strong expertise in enterprise application architecture, including multi-tier application design, modular and layered architectures, service-oriented architecture, microservices concepts, event-driven systems, asynchronous processing models, high-availability design, secure transaction processing patterns, and resilient integration architecture.
The role requires strong hands-on or architecture-level exposure to Java / J2EE based enterprise platforms, with deep familiarity in frameworks and development models used for large-scale transaction processing applications. Strong working knowledge of Spring / Spring Boot, enterprise integration patterns, service design, and transaction management frameworks will be highly desirable.The candidate should have strong technical capability in messaging and middleware architecture, including experience in queue-based processing, message-driven applications, asynchronous communication models, enterprise messaging patterns, and integration frameworks. Exposure to MQ-based systems, middleware services, interface orchestration, message transformation, routing, validation, and delivery assurance mechanisms will be important for this role.The role also requires strong knowledge of database and data architecture, particularly with Oracle or equivalent enterprise RDBMS platforms, including OLTP design, SQL performance optimization, partitioning strategy, archival and purging frameworks, indexing, concurrency handling, transaction traceability, and database design for high-throughput financial workloads.The candidate should possess strong knowledge of integration and interoperability architecture, including API design, XML / JSON based integration, canonical data modeling, external system connectivity, adapter-based integration, and secure service communication. Familiarity with financial messaging, interface transformation, and structured message processing will be an added advantage.A key expectation for this role is strong technical and architectural understanding of open-source technology ecosystems and their suitability for enterprise-grade payment applications. The candidate should be capable of evaluating, selecting, and governing the use of open-source technologies across the application and platform stack.This includes familiarity with open-source technologies and frameworks in areas such as application development, integration, messaging, caching, API enablement, logging, monitoring, observability, build and release automation, containerization, and orchestration. The candidate should understand how to assess such technologies for security vulnerabilities, patching cadence, long-term maintainability, deployment complexity, production stability, and operational supportability.The role also expects knowledge of modern engineering and platform tooling, including exposure to technologies and practices related to CI/CD pipelines, automated deployment, code quality and security scanning, observability frameworks, centralized logging, metrics and alerting, and runtime diagnostics. The candidate should be able to guide teams on adopting engineering practices that improve reliability, supportability, and operational transparency in large-scale transaction systems.In addition, the candidate should have strong awareness of security architecture and secure engineering practices, including authentication and authorization models, encryption, certificate and keystore management, secure API design, auditability, key management patterns, HSM integration awareness, and application hardening principles.The role further requires good understanding of infrastructure and deployment architecture, including Web / App / DB tier segregation, reverse proxy integration, load balancing, Linux / RHEL based deployments, middleware hosting models, scalability planning, environment standardization, and production support considerations. Familiarity with container platforms, orchestration models, and cloud-readiness principles will be considered an added advantage.Overall, the candidate should bring not only technical depth in application and platform engineering, but also the ability to make practical, supportable, secure, and cost-conscious technology decisions that align with the long-term architecture vision of the payment systems vertical.

Open Positions

1

Skills Required

Middleware, Payment Systems, OLTP, RDBMS, Microservices, Java, J2EE, Enterprise Architecture

Role

Responsibilities:

The role will be responsible for defining and governing the end-to-end architecture for the organization’s payment platforms, including the application layer, messaging layer,hub components, switching and routing functions, settlement interfaces, reconciliation systems, and reporting architecture. The incumbent will be expected to design robust and scalable systems capable of handling high transaction volumes, real-time and deferred processing, exception handling, and secure integration with external financial ecosystems.
A key responsibility of the role will be to establish architecture principles and design standards for the payment systems, ensuring consistency across all modules and interfaces. This includes driving best practices in application layering, service design, message processing, integration patterns, API design, queue-based and event-driven processing, and enterprise-wide canonical transaction modelling.
The candidate will also play a major role in shaping the technology stack and modernization roadmap for the payment vertical.
This includes evaluating and recommending suitable open-source components, frameworks, middleware, messaging solutions, and observability tools, while ensuring the right balance between cost optimization, supportability, security, performance, and long-term maintainability.
The role will require strong architectural oversight on performance engineering, scalability, and resilience, including the design of systems for high throughput, low latency, peak-load handling, fault tolerance, high availability, disaster recovery, retry mechanisms, idempotency, and operational continuity. The candidate should be capable of guiding teams on performance optimization across application, database, messaging, and middleware layers.
Another important area of responsibility will be security and compliance by design. The role will be expected to ensure that security principles are deeply embedded into the architecture, including authentication, authorization, encryption, key management, certificate handling, HSM integration, auditability, non-repudiation, and secure API / message processing. The candidate will also work with information security and audit teams to ensure that the platform architecture aligns with internal and external security requirements.
The incumbent will be expected to provide architecture guidance on database and data management aspects as well, including OLTP design, partitioning strategy, archival and purging framework, indexing, concurrency handling, retention models, and transaction traceability.In addition, the role will oversee integration architecture involving middleware, MQ-based systems, external adapters, and system-to-system interoperability across the payment ecosystem.
From an organizational standpoint, the role will serve as a technical mentor and architectural authority for the application, infrastructure and overall engineering teams.The candidate will be expected to review major solution designs, mentor senior technical leads, participate in architecture review forums, and drive technical governance across projects and product lines.The role should also contribute to long-term strategy, modernization planning, platform standardization, and future technology adoption for the payment vertical.

Education/Qualification

B.Tech/B.E.

Years Of Exp

12 to 18 Years

Designation

Assistant Vice President/Deputy Vice President

tags

Middleware, Payment Systems, OLTP, RDBMS, Microservices, Enterprise Architecture