Advanced Solution Engineer Payments Product Team (7 To 10 Years Exp)

Overview

Development Of The Area

• Design, develop, and maintain secure and scalable payment services and transaction processing systems.
• Lead the design, development, and optimization of payment channel integrations including ISO 8583 socket channels, HTTP/REST APIs, and payment gateway connections with acquiring banks and settlement institutions
• Work closely with vendor teams to understand and document existing payment workflows, transaction routing, settlement processes, reconciliation flows, and operational procedures.
• Implement secure transaction processing mechanisms including encryption (3DES, AES), message signing, DUKPT key management, tokenization, HSM integrations, and certificate/token-based authentication.
• Design scalable microservices and backend APIs to support payment applications, POS/Terminal Management, vPOS, and Pay-by-Link capabilities.
• Improve system reliability, transaction throughput, fault tolerance, and payment success rates.
• Participate in architecture discussions for high-availability systems, disaster recovery, and production scalability.
• Establish secure coding practices and ensure alignment with PCI DSS and enterprise security standards.

Control Of Tasks

• Review and validate technical deliverables, APIs, transaction flows, and system architecture documentation.
• Lead troubleshooting and root cause analysis for transaction failures, timeout issues, integration bottlenecks, and production incidents.
• Ensure all deliverables comply with coding standards, security controls, and operational best practices.
• Coordinate with PMO, QA, Security, Infrastructure, and UAT teams during deployment, testing, and release cycles.
• Monitor production system health, transaction integrity, and SLA compliance.

Strategic & Leadership Tasks

• Mentor and guide junior and mid-level engineers within the Payments Product Team.
• Define technical learning roadmaps and knowledge transfer objectives for long-term vendor independence.
• Contribute to technical strategy, scalability planning, and modernization initiatives.
• Participate in roadmap planning, technical estimation, and architecture governance discussions.
• Support management in building long-term internal product ownership strategy and reducing vendor dependency
• Promote engineering best practices including clean architecture, SOLID principles, observability, and CI/CD automation.

Management Of Employees

• Lead and coordinate the activities of internal product engineering resources across development and support functions.
• Assign technical tasks, learning objectives, and documentation responsibilities.
• Support continuous learning and domain understanding within the payments ecosystem.
• Facilitate effective collaboration between internal teams and vendor resources.

1. Education & Experience

• Bachelor’s degree in computer science, Software Engineering, or related field
• 7 - 10 years of software development experience
• Minimum 3 - 5 years of hands-on experience in payment systems, fintech platforms, or financial services

Payment Domain Expertise (Must Have)

• Expert-level proficiency in Node.js and Java (JDK 8+) with microservices architecture
• Deep understanding of RESTful API design, asynchronous processing, and event-driven architectures
• Deep experience with ISO 8583 message processing and payment switch integration
• Proven experience integrating third party payment gateways and acquiring banks
• Strong knowledge of POS/Terminal Management Systems and transaction lifecycle management
• Hands-on experience with HSM integration, DUKPT, key injection, and cryptographic operations
• Understanding of tokenization, vPOS, Pay by Link, and secure payment methods
• Working knowledge of PCI DSS requirements, secure coding practices, and encryption standards (3DES, AES, RSA)

Databases & Messaging

• Hands-on experience with SQL databases (MSSQL, PostgreSQL) and NoSQL databases (Redis, Firebase)
• Strong SQL skills including query optimization and transaction management
• Hands-on experience with message queues (Kafka, RabbitMQ) for transaction processing

Infrastructure & Devops

• Familiarity with Docker, Kubernetes, and containerized deployments
• Experience with CI/CD pipelines
• Understanding of cloud platforms (AWS, Azure) is a plus

Preferred Qualifications

• Experience with payment switch platforms (IRIS, Postilion, Base24, or similar)
• Knowledge of Visa, Mastercard, American Express, UnionPay, or local scheme (1LINK, mada) certifications and integration
• Familiarity with EMV standards, contactless payments, and card-present transactions
• Experience with fraud detection systems and transaction monitoring
• Frontend experience with React.js or modern JavaScript frameworks
• PCI DSS, EMV, or ISO 20022 certifications are highly valued

1. COMPETENCIES AND SKILLS

• Strong analytical mindset with ability to understand complex payment ecosystems and reverse-engineer legacy systems
• Proven leadership capabilities with experience mentoring junior engineers and managing cross-functional technical initiatives
• Excellent troubleshooting skills in high-pressure, production-critical environments with strict SLA requirements
• Strong ownership mentality focused on long-term product sustainability and reducing technical debt
• Effective communication skills with ability to coordinate between technical teams, business stakeholders, and vendor partners
• Experience in knowledge transfer programs and building internal technical capabilities from vendor-managed systems