Senior Specialist - Design & Development (Payments)

Role Overview

Key Responsibilities

• **1.
• Payment System Design & Development*** Design, develop, and implement **end-to-end payment systems** aligned with **ISO 20022 messaging standards**
• Build and maintain **microservices-based payment architectures** for high scalability and fault tolerance
• Analyse functional and technical requirements to deliver **secure, high-performance solutions**
• Develop **API-first services** ensuring interoperability across banking systems
• Orchestrate **payment message flows, validation, transformation, and routing**
• **2.
• System Integration & Interoperability*** Integrate payment platforms with **internal banking systems and external financial networks**
• Ensure **data consistency, message integrity, and seamless transaction processing**
• Enable interoperability across **RTGS, Direct Debit, and clearing systems**
• **3.
• Enhancements & Continuous Improvement*** Identify and implement **enhancements driven by business and regulatory requirements**
• Improve system performance, scalability, and operational efficiency
• Drive **modernisation initiatives** across legacy payment components
• **4.
• Production Support & Incident Management*** Provide **L2/L3 support for critical payment systems** including troubleshooting and RCA
• Handle **production incidents, system defects, and data discrepancies**
• Participate in **incident triage, prioritisation, and resolution**
• Maintain detailed logs, reports, and resolution documentation
• **5.
• DevSecOps & Engineering Excellence*** Contribute to **CI/CD pipelines and automated deployment processes**
• Ensure adherence to **secure coding practices and DevSecOps principles**
• Promote **test-driven development (TDD), automation, and code quality standards**
• Work within **Agile delivery frameworks (Scrum/Kanban)**
• **6.
• Stakeholder Collaboration*** Act as a bridge between **business stakeholders, product teams, and engineering teams**
• Translate business requirements into **technical solutions**
• Provide regular updates and ensure alignment with project objectives
• **7.
• Documentation & Knowledge Sharing*** Maintain **technical documentation, system architecture, and process flows**
• Create **test cases and user manuals**
• Mentor junior engineers and support team capability building
• **Required Experience*** Minimum **5+ years of experience** in backend development and system integration
• Strong experience working on **enterprise-level or banking systems**
• Proven track record in **system enhancements and production support**
• **Technical Skills****Backend & Development*** Strong expertise in:
• + **Java (Spring Boot)** (preferred)

+ OR Python / Node.js / Go

• Experience building **RESTful APIs and distributed systems**
• **Architecture & Platforms*** Deep understanding of:
• + Microservices architecture
• + API-first design
• + Distributed systems patterns (circuit breaker, service discovery)
• Experience with:
• + Docker & Kubernetes
• + Cloud platforms (AWS / Azure / GCP)
• **Databases*** Strong experience with:
• + Relational DBs: Oracle, PostgreSQL, MySQL

+ NoSQL: MongoDB, Redis

• **DevOps & Tools*** CI/CD tools: Jenkins, GitLab CI, GitHub Actions
• Version control: Bitbucket / Git
• Agile tools: JIRA
• **Payments Domain Expertise (Critical)*** Hands-on experience with:
• + **ISO 20022 messaging**
• + Payment systems such as **RTGS, Direct Debit, Clearing**
• Understanding of:
• + **Cross-border payments and settlement mechanisms**
• + Payment lifecycle and transaction processing

**Security & Compliance*** Knowledge of

• + API security (OAuth, JWT, rate limiting)
• + Cloud and infrastructure security
• + Secure SDLC practices (SSDLC)
• **Qualifications*** Bachelor’s or Master’s degree in Computer Science or related field
• Certifications in Java, Agile, or Cloud are a plus
• **What Makes This Role Stand Out*** Work on **national-level payment infrastructure**
• Exposure to **high-volume transaction systems**
• Opportunity to influence **architecture decisions**
• Strong alignment with **modern engineering practices**