Solution Architect ? Payments

Job Description

Job title Solution Architect ? Payments Location India Experience 15+ years Job Duties Role Summary We are seeking a Solution Architect ? Payments to lead the design and technical strategy for payment processing platforms and modernization programs across global markets. The role demands a combination of deep payments domain expertise and architectural leadership in designing scalable, secure, and high-availability systems that power real-time and cross-border payments. The Solution Architect will partner with business, product, and technology stakeholders to define architecture blueprints, modernization strategies, and integration patterns across the payment ecosystem ? spanning initiation, screening, routing, clearing, and settlement. Key Responsibilities Qualification Architecture Ownership & Design Leadership Define and govern the end-to-end architecture for payment systems, ensuring scalability, resilience, and compliance with global standards. Architect solutions that enable real-time processing, ISO 20022 migration, SWIFT gpi enablement, and modernization of legacy payment hubs. Lead design of microservices-based, event-driven architectures, with strong focus on API-first, cloud-native, and containerized deployment models. Evaluate and recommend appropriate messaging, integration, and database technologies for high-volume transaction systems. Create architecture blueprints, design documents, and integration patterns, ensuring alignment with enterprise standards. Technical Governance & Stakeholder Alignment Work closely with Payments Product Owners, Transformation Leads, and Technology Heads to align architecture with business roadmaps. Provide technical leadership across multiple development streams and ensure adherence to design principles and best practices. Define non-functional requirements (NFRs) for performance, security, scalability, observability, and regulatory compliance. Support solution design reviews, impact assessments, and technical due diligence for new product initiatives or vendor onboarding. Payments Domain Expertise Bring deep understanding of global payment schemes (SWIFT, SEPA, RTP, FedNow, ACH, UPI) and cross-border transaction processing. Lead design of message transformation frameworks (MT?MX), ISO 20022 schema validation, and rule-based orchestration engines. Oversee integration with AML, sanctions screening, liquidity, and reconciliation systems for end-to-end transaction integrity. Ensure solutions are compliant with PSD2, CBPR+, UETR, and other emerging industry and regulatory standards. Emerging Technology & Platform Strategy Define the roadmap for payments platform modernization, leveraging API gateways, event streaming (Kafka), and cloud-native solutions. Evaluate vendor products and accelerators (e.g., VolPay, Finastra, FIS, Temenos, Murex Payments) for alignment with CRISIL and client strategy. Promote DevSecOps, observability, and automation-first principles across payment delivery pipelines. Advise on performance tuning, fault tolerance, and scalability for high-throughput transaction 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 Skills Required 15+ years of total experience, with 7+ years in payments systems architecture and engineering leadership. 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. Deep understanding of ISO 20022, SWIFT MT/MX standards, and message translation/orchestration 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