Senior Payments Engineer - Cards Acquiring

Overview

Requirements

• Key Responsibilities1.
• Product Engineering & Lifecycle Management* Drive end-to-end technical delivery for card platforms, managing complex requirement analysis, systems design, and seamless third-party vendor integrations.
• Lead technical execution across card lifecycle initiatives, including enhancements to payment processing, clearing, settlement, and chargeback workflows.
• Collaborate actively within cross-functional Agile squads to translate business requirements into highly secure, stable, and scalable payment solutions.
• 2.
• Cards Acquiring & Payment Systems Integration* Design and maintain robust components supporting the **Cards Acquiring** ecosystem, merchant processing frameworks, and payment gateways.
• Oversee system integrations with global card schemes (e.g., Visa, Mastercard) and regional payment networks, ensuring strict compliance with financial standards.
• Support continuous improvement initiatives to enhance transaction success rates, lower latency, and modernize merchant onboarding platforms.
• 3.
• Testing, Release & Production Stability* Provide advanced technical oversight during system integration testing (SIT) and user acceptance testing (UAT), quickly resolving critical engineering defects.
• Coordinate complex code release management activities, ensuring zero-downtime deployments across highly regulated payment platform environments.
• Act as a Tier-3 escalation point for production support, driving rapid incident management, root-cause analysis (RCA), and continuous platform stability.
• Technical Specifications & SkillsCore Cards & Payments Expertise (Essential)* **Cards Domain:** Comprehensive technical knowledge of **Cards Issuing** or **Cards Acquiring** platform engineering.
• **Acquiring Systems:** Solid hands-on experience with merchant processing, POS/mPOS terminals, e-commerce payment gateways, and clearing/settlement protocols.
• **Financial Protocols:** Deep understanding of messaging standards and payment switch protocols (e.g., **ISO 8583**, AS2805, or EMV compliance frameworks).
• **Core Engineering:** Strong database skills (SQL/Oracle) and experience with backend application frameworks used to build high-throughput, low-latency transaction processing services.
• Engineering & Framework Practices* Strong experience working inside **Agile/Scrum** software delivery environments.
• Familiarity with enterprise ticketing and defect tracking systems (e.g., Jira, ServiceNow).
• Understanding of security and compliance frameworks mandatory in payment card industries (e.g., **PCI-DSS**).
• Qualifications & Experience* **Education:** Bachelor’s or Master’s degree in Computer Science, Software Engineering, Information Technology, or a strictly equivalent technical discipline.
• **Experience:** Proven track record in a Senior Software or Product Engineering role explicitly focused on Cards and Payments systems within a Bank, Fintech, or Payment Service Provider (PSP).
• **Soft Skills:** Exceptional analytical and debugging capabilities, a proactive problem-solving mindset, and the interpersonal skills necessary to coordinate effortlessly between business units and core engineering teams.