Solution Architect (Payments)

Role Summary

We are seeking a Solution Architect – Payments to lead the design and architecture of payment processing and corporate banking technology solutions across global markets. The role requires deep domain expertise in payments and corporate banking along with the ability to translate business requirements into scalable, secure, and resilient technology solutions.

The Solution Architect will work closely with business, product, and technology stakeholders to define solution approaches, architecture blueprints, and integration patterns across the payment ecosystem, including payment initiation, screening, routing, clearing, and settlement processes.

The role also involves early engagement with business teams to shape solution concepts, provide architecture guidance, and support technology teams during solution development and delivery.

Key responsibilities

1.      Solution Architecture & Design

·        Define and govern the end-to-end architecture for payments and corporate banking solutions, ensuring alignment with enterprise technology standards.

·        Translate business requirements into high-level solution designs and architecture blueprints.

·        Design scalable and resilient solutions supporting real-time and cross-border payment processing.

·        Evaluate the impact of change across existing systems, integrations, and operational processes.

·        Define integration approaches across payment processing platforms and related banking systems.

·        Produce architecture documentation and design artefacts to guide delivery teams.

2.      Stakeholder Engagement & Delivery Support

·        Collaborate with business stakeholders, product teams, and technology delivery teams to define optimal solution approaches.

·        Act as a key liaison between business units, architecture teams, and engineering teams to ensure alignment on solution design.

·        Support delivery teams throughout the solution lifecycle from design through implementation and testing.

·        Conduct architecture walkthroughs and design reviews with stakeholders and governance forums.

·        Provide guidance to development teams and support teams on solution implementation.

3.      Architecture Governance

·        Ensure solution designs align with enterprise architecture principles, technology standards, and security requirements.

·        Review project designs to ensure compliance with established architecture frameworks and best practices.

·        Define and document non-functional requirements including scalability, resilience, and performance.

·        Support solution assessments and technology evaluations for new initiatives and vendor integrations.

4.      Payments & Corporate Banking Domain Expertise

·        Provide strong domain expertise across global payment ecosystems and transaction processing.

·        Demonstrate understanding of payment schemes and cross-border payment flows.

·        Design solutions supporting corporate banking capabilities such as payments processing, liquidity management, trade finance, loans, and virtual account structures.

·        Understand regulatory and operational considerations relevant to payment processing platforms.

·        Bachelor's or Master's degree in Computer Science, Engineering, or related discipline.

·        Certifications such as TOGAF, AWS Certified Solutions Architect, or Certified Payments Professional (CPP) preferred

·        10+ years of experience of which at least the last 5+ years is focused on designing enterprise-scale payment processing solutions.

·        Strong understanding of payments architecture and transaction processing systems.

·        Strong hands-on background in Java (11+), Spring Boot, Microservices, REST APIs, and event-driven architectures.

·        Expertise in payment system integration with SWIFT, SEPA, RTP, FedNow, and other real-time clearing systems.

·        Familiarity with integration patterns, distributed systems, and enterprise architecture frameworks.

·        Proven experience architecting cloud-native, API-first, and containerized solutions (AWS, Azure, or GCP).

·        Knowledge of streaming platforms (Kafka), caching systems (Redis), and distributed databases.

·        Strong focus on security architecture, including OAuth2/JWT, encryption, key management, and regulatory compliance.

·        Experience working in Agile environments, influencing architecture decisions across distributed delivery teams.

·        Excellent communication and stakeholder management skills to engage both technical and business audiences.

About Crisil Integral IQ: Crisil Integral IQ is the largest and top-ranked provider of high end research and analytics services to the world's leading commercial and investment banks, insurance companies, corporations, consulting firms, private equity firms and asset management firms. Crisil Integral IQ operates from centres in Argentina, China, India and Poland, providing support across several time zones and in multiple languages to global organizations. It has deep expertise in the areas of equity and fixed income research (covering global economies, 150 global sectors and over 3000 global companies), credit analysis, exotic derivatives valuation, structured finance, risk modelling and management, actuarial analysis and business intelligence.

Crisil Integral IQ includes Irevna, Pipal Research and Coalition, firms which were acquired by Crisil. For more information, please visit www.irevna.com, www.pipalresearch.com and www.coalition.com

About Crisil Integral IQ (formerly Global Research & Risk Solutions)

Crisil Integral IQ delivers solutions and actionable intelligence to top financial institutions, driving strategic transformation, risk optimization, and operational excellence. Our offerings across research, risk, lending, analytics and operations have empowered clients to navigate complex markets, mitigate risks and unlock new opportunities. Our domain expertise, innovative solutions, future-ready technologies such as AI and data science give clients the confidence to accelerate growth and achieve sustainable competitive advantage. Our globally diverse workforce operates in the Americas, Asia-Pacific, Europe, Australia and the Middle East.

For more information, visit IntegralIQ.Crisil.com

About Crisil

Crisil is a global, insights-driven analytics company. Our extraordinary domain expertise and analytical rigour help clients make mission-critical decisions with confidence.

Large and highly respected firms partner with us for the most reliable opinions on risk in India, and for uncovering powerful insights and turning risks into opportunities globally. We are integral to multiplying their opportunities and success.

Headquartered in India, Crisil is majority owned by S&P Global.

Founded in 1987 as India's first credit rating agency, our expertise today extends across businesses: Crisil Ratings, Crisil Intelligence, Crisil Coalition Greenwich and Crisil Integral IQ.

Crisil's global workforce operates in the Americas, Asia-Pacific, Europe, Australia and the Middle East, setting the standards by which industries are measured.

For more information, visit www.Crisil.com

Connect with us: LinkedIn | Twitter

Crisil Privacy

Crisil respects your privacy. We may use your personal information, such as your name, location, contact number and email id to fulfil your request, service your account and to provide you with additional information from Crisil. For further information on Crisil's privacy policy please visit https://www.crisil.com/content/crisilcom/en/home/crisil-privacy-notice.html.