Senior Cards & Digital Payments Solution Architect

TMC Middle East; Dubai; Remote; AED 300,000 - 540,000; Full time

Job summary

TMC Middle East in the United Arab Emirates seeks a Solution Architect – Cards & Digital Payments to lead client-facing design for card issuing and processing. You will translate BRDs into a clear solution, DOUs, SOWs and cost estimates, working with pre-sales and product teams to assemble end-to-end solutions.

You must know card journeys end-to-end and stay current on Visa, Mastercard and wallet initiatives, tokenisation, 3DS, and Click to Pay, with hands-on experience across issuers,

Qualifications

• 8+ years in card payments at issuer/bank, card processor, scheme, or vendor.
• Proven solution design or pre-sales experience with DOUs, SOWs or RFP responses you authored.
• Prior Business Analyst experience in cards/payments.
• Hands-on knowledge of card journeys end to end: issuing, authorisation, ISO 8583, clearing & settlement, disputes/chargebacks.
• Hands-on with digital scheme and wallet initiatives: tokenisation (VTS/MDES), Apple/Google/Samsung Pay provisioning, 3DS 2.x, Click to Pay.
• Working knowledge of at least one card management/processing platform (Way4, TSYS PRIME, Fiserv VisionPlus, etc.).
• Ability to estimate effort and cost and build commercial solution proposals.
• Advanced Excel and PowerPoint; excellent written/spoken English.
• Bachelor’s degree; MBA a plus.

Responsibilities

• Lead client-facing solution design for card issuing and processing; convert BRDs into DOUs and SOWs.
• Develop cost/effort estimates and commercial proposals; support pre-sales with Product and System Owners.
• Collaborate with Relationship Managers, vendors, and delivery teams; act as the client’s voice from design to handover.
• Stay current on Visa/Mastercard and wallet initiatives; ensure end-to-end card journey coverage.

Skills

Card payments expertise

Solution design / pre-sales

Business Analyst experience

End-to-end card journeys

Digital wallets & tokenisation

3DS 2.x & digital payments

Card management platform knowledge

Excel & PowerPoint proficiency

English communication

Education

Bachelor’s degree

MBA is a plus

Tools

Way4 (OpenWay)

TSYS PRIME

Fiserv VisionPlus

HPS PowerCARD

BPC SmartVista

CardPro

Euronet

Compass Plus

Job description

TMC Middle East in the United Arab Emirates seeks a Solution Architect – Cards & Digital Payments to lead client-facing design for card issuing and processing. You will translate BRDs into a clear solution, DOUs, SOWs and cost estimates, working with pre-sales and product teams to assemble end-to-end solutions.

You must know card journeys end-to-end and stay current on Visa, Mastercard and wallet initiatives, tokenisation, 3DS, and Click to Pay, with hands-on experience across issuers,