Payments Architect & Payments Gateway Consultant

Jobdescription

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PleaseapplyifandonlyifyouhavePaymentGatewayexperience(Stripe/Paypal/WorldPay/RazorPay/Creditcards/DebitCards/UPI/PAYTM/PHONEPEPaymentsExperience).

KeyResponsibilitiesone:

Drivesystemsarchitecturaldesignforscalable,high-performance,end-to-endsolutions.

Applydesignconceptssuchasmicroservices,containerization,andAPIintegration;hands-onexperiencewithAItechnologies(e.g.,Copilot)isaplus.

Leadrequirementsrefinementwithbusinessstakeholders.

Implementandmanageend-to-endpaymentflowsincludingReal-TimePayments,ACH,andRTGS.

EnsurecompliancewithSwiftmandates,ISO20022migration,andcentralbankmandatesacrossglobalclearings(SEPA,CBPR+,HVPS+,CHAPS).

Collaboratewithseniorbusinessmanagers,enterprisearchitects,andglobalfunctionalheadstoestablishandadoptevolvingproductdevelopmentstandards.

ProvidesignificantinputintodefiningthepaymentsproductroadmapwithinEnterprisePaymentsandmanagetheproductbacklog.

Prioritizetechdebt,regulatoryrequirements,businessenablement,andauditsupport.

Workcloselywithfunctionalandbusinessleadsacrossthepaymentslifecyclefrominceptiontoclearing.

DocumentHigh-LevelDesign(HLD)andfunctionalrequirementsusingSAFeAgilerequirementhierarchies(deliverable,epic,story).

Alignexecutiondeliverywithproductstrategy.

Fosteraninclusiveandhealthyworkenvironmentandresolveorganizationalimpediments/blockers.

KeyResponsibilitiestwo;

Integratepaymentgatewaysintowebsites,mobileapps,anddigitalplatforms.

Overseetransactionprocessing,authorization,capturing,andsettlement.

EnsurecompliancewithPCI-DSS,3DSecure,andimplementencryptionandtokenization.

Optimizepaymentgatewayperformanceforfastertransactionsandimproveduserexperience.

Implementfrauddetectionandpreventiontoolstominimizerisksandchargebacks.

Managerelationshipswithpaymentprovidersandfinancialinstitutions.

Analyzepaymenttrends,transactionvolume,andprovidefinancialreports.

Providesupportforpayment-relatedissuesandresolvedisputesorrefundrequests.

Testpaymentgatewayintegrationsandensuresmoothfunctionality.

Stayupdatedwithnewpaymenttechnologiesandrecommendimprovements.

RequiredSkills&Experience:

Strongbackgroundinarchitecturaldesignforscalable,high-performancesystems.

Expertiseinmicroservices,containerization,andAPIintegration.

Hands-onexperiencewithAItechnologies(Copilotpreferred).

Deepknowledgeofend-to-endpaymentflowsandglobalregulatorymandates.

FamiliaritywithISO20022migrationandindustryregulatorychanges.

Strongleadershipandstakeholdermanagementskills.

ExperienceinSAFeAgileframeworkandbacklogmanagement.ExperiencewithPaymentGatewayslikeStripe/PayPal/RazorPay/WorldPay/PayTM/PhonePe

ExperiencewithMobilePayments/Creditcards/DebitCards/PaymentdivisionsinBanksAcquirerside/Issuerside

ExperiencewithPaymentSystemslikeVISA/MasterCard/Amex

KnowledgeofISO8583messages

KnowledgeofSWIFTmessages/MTxxxmessages

ExperienceinSAUDIMADA/VISA/MastercardsystempaymentsforbothCredit&Debitcards

ExperienceinMobilepaymentslikeApplePay,STCPay,EmergencyCash,NFCpayments

KnowledgeinBankingE-Channelslike3DSecureandMobilePayments/OTPPaymentSystems

ExperienceinSQL&Oracle11G/12

KnowledgeofmessagequeingsystemslikeIBMMessageBroker/IBMWebsphere/MicrosoftIISServer

ExposuretoUnixSystem(SunUnix/IBMAIX)

YoumustbeaMobilePaymentsExpert,withTechnicalSkillsmainlywithApplePay/SAUDIMADA&VISAMasterCardPayments