Job Summary

Engineering Lead - Credit Cards with a strong background in API development and microservices architecture along with deep expertise in retail banking.

The ideal candidate will drive solution, architecture, design, and delivery ensuring compliance with security and governance standards with fostering innovation and efficiency in digital payment solutions

Key Responsibilities

The role will be responsible to creating a roadmap for application which are robust and futuristic solutions for Credit Cards & Payment domain.
The role will be responsible for handling the Solution Architecture designing and delivery for the Credit Cards and Payment domain.
Will be responsible for developing solutions, stake holder management, vendor and financial management, developing project costs, and delivering the developed solutions.
Ability to Identifying and managing risks, including developing contingency plans to mitigate potential issues.
Knowledge on card issuing and transaction acquiring processing and standards.
Knowledge on ISO8583 messaging standard protocols.
Hand on experience with VISA, MasterCard Card, UPI and other national card schemes Issuing & Acquiring, Scheme compliance requirement.
Desirable to have knowledge on national schemes and processor integrations.
Knowledge about API's (SOAP, JSON, REST..ETC) and Web Service Integration.
Knowledge about Back Office integration.
Knowledge about HSM protocols and configuration, Knowledge about encryption Keys/Cryptography both symmetric and asymmetric keys, 3DES, AES, SM4, SHA.
Familiarity with EMV technologies and standards, and PCI DSS and PA DSS standards.
Familiarity with Contact and Contactless technologies, Familiarity with 3DS and Tokenization standards.
Experience with an EFT transaction switching or on-line banking environment.
Hands-on experience with automated test tools and simulators.
Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be an added Advantage.
Strong design and programming knowledge on Unix/Linux environment, Unix Shell Scripting
Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
Excellent verbal and written communication skills to technical and non-technical audiences of various levels in the organization
Willingly shares relevant technical and/or industry knowledge and expertise to other resources
Excellent problem-solving, team, and time management skills.
Resourceful and proactive in gathering information and sharing ideas.
Experience in banking or financial services industry.
Working experience in Cloud and Digital transformation projects is an advantage.
Good knowledge skill on open banking is a plus.
Ability to review the requirement, impact analysis, gap analysis, high level design, cost estimation, propose timeline, obtain project approval, and draft solution architecture/function spec/technical spec document.
Be an excellent leader, Subject matter expert on the technical and functional knowledge
Good team collaboration, relationships within & outside POD to all levels of the organization Strong influencing, conflict resolution & negotiation skills.

Skills and Experience

Knowledge of Credit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards
Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
Experience with an EFT transaction switching and processing.
Familiarity on PCI DSS and PA DSS compliance requirements
Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be a added Advantage
Experience in Web Service integration and API's
Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
Excellent in preparing the Solution Architecture document, Functional and technical spec
Excellent problem-solving, team, and time management skills.
Experience in Programming Languages and other emerging technologies
Experience in Cloud Services

Qualifications

B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 8 to 15 Years

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