Solutions Architect – Digital Payments FinTech

XAD Technologies; Dubai; Hybrid; AED 264,000 - 316,000; Full time

Benefits offered by this job

Company provided visa

Health insurance

Annual airfare

Job summary

XAD Technologies is seeking an experienced Solutions Architect for Digital Payments and FinTech to lead end-to-end architectures across wallets, remittances, gateways and embedded finance. You will translate business needs into scalable technical designs, oversee API-led integrations and drive security and regulatory compliance.

The role requires deep expertise in payment ecosystems, cloud-native architectures, and collaboration with product, engineering, and external partners to accelerate

Qualifications

• Bachelor's degree in Computer Science, Information Technology, Engineering or related field.
• Masters degree or relevant certifications are advantageous.
• TOGAF, AWS Solutions Architect, Azure Architect or equivalent certifications preferred.

Responsibilities

• Design end-to-end solution architectures for digital payments platforms and fintech solutions.
• Define architecture blueprints, integration patterns and technical roadmaps.
• Lead architecture discussions with stakeholders, product, and engineering teams.
• Design and oversee API-led integrations with banks, processors, KYC/AML, and third-party platforms.
• Architect secure payment solutions in PCI-DSS / ISO 27001 compliance.
• Develop scalable microservices and cloud-native architectures for high transaction volumes.
• Evaluate technologies and frameworks to support growth and digital transformation.
• Ensure designs meet performance, reliability, scalability, security, and DR requirements.
• Provide technical leadership through project lifecycles and governance.
• Collaborate with developers to ensure adherence to standards.

Skills

Enterprise Solution Architecture

Microservices Architecture

RESTful APIs

Event-Driven Architecture

Cloud Platforms

Kubernetes

Docker

IAM / Security

PCI-DSS / ISO 27001

Education

Bachelor's degree in CS/IT

Masters degree advantageous

TOGAF / AWS / Azure certs preferred

Tools

Kubernetes

Docker

API Management

Job description

Job Summary

We are seeking an experienced Solutions Architect Digital Payments / FinTech to lead the design and delivery of secure scalable and innovative digital financial solutions. The role will be responsible for translating business requirements into end-to-end technical architectures across digital payments wallets card systems remittances merchant acquiring open banking and financial services platforms.

The ideal candidate will possess strong expertise in payment ecosystems system integration cloud architecture APIs security frameworks and digital banking technologies while collaborating with product business engineering and external partners.

Key Responsibilities

• Design end-to-end solution architectures for digital payment platforms mobile wallets merchant acquiring payment gateways remittances and embedded finance solutions.
• Define architecture blueprints integration patterns and technical roadmaps aligned with business objectives.
• Lead architecture discussions with business stakeholders product teams development teams vendors and financial institutions.
• Design and oversee API-led integrations with banks payment processors card schemes fintech partners KYC providers AML systems and third-party platforms.
• Architect secure payment solutions in compliance with PCI-DSS ISO 27001 regulatory requirements and industry best practices.
• Develop scalable microservices cloud-native and event-driven architectures supporting high transaction volumes and availability requirements.
• Evaluate and recommend technologies platforms and frameworks to support business growth and digital transformation initiatives.
• Ensure solution designs meet performance reliability scalability security and disaster recovery requirements.
• Provide technical leadership throughout project lifecycles from solution design to deployment and post-production support.
• Collaborate with development teams to ensure adherence to architecture standards and governance frameworks.
• Conduct architecture reviews technical assessments and risk evaluations.
• Support pre-sales activities solution proposals effort estimations and client presentations when required.

Key Areas of Expertise

• Digital Wallets
• Mobile Money Platforms
• Payment Gateways
• Merchant Acquiring
• Card Issuing & Processing
• QR Payments
• P2P Transfers
• International Remittances
• Open Banking & Open Finance
• Digital Lending
• Embedded Finance
• Buy Now Pay Later (BNPL)
• KYC / AML Integration
• Fraud Management Systems
• Banking & Financial Services Integrations

Technical Skills

• Enterprise Solution Architecture
• Microservices Architecture
• RESTful APIs & API Management
• Event-Driven Architecture
• Cloud Platforms (AWS Azure GCP)
• Kubernetes & Docker
• Integration Middleware & ESB Platforms
• SQL / NoSQL Databases
• DevSecOps Practices
• Identity & Access Management (IAM)
• OAuth 2.0 OpenID Connect JWT
• PCI-DSS & Financial Security Standards
• High Availability & Disaster Recovery Design

Qualifications

• Bachelors Degree in Computer Science Information Technology Engineering or a related field.
• Masters Degree or relevant certifications are advantageous.
• TOGAF AWS Solutions Architect Azure Architect or equivalent certifications preferred.

Experience Requirements

• 812 years of experience in software architecture enterprise architecture or solution architecture roles.
• Minimum 5 years of experience within Digital Payments FinTech Banking or Financial Services.
• Proven experience delivering large-scale payment platforms and financial technology solutions.
• Strong understanding of payment processing transaction flows settlement reconciliation and regulatory compliance.
• Experience working with banks payment service providers fintech companies and regulatory stakeholders.

Preferred Certifications

• TOGAF
• AWS Certified Solutions Architect
• Microsoft Azure Solutions Architect Expert
• Certified Payments Professional (CPP)
• PCI Professional (PCIP)
• Certified Information Systems Security Professional (CISSP)

What Success Looks Like

• Delivery of secure scalable and compliant payment solutions.
• Successful integration of multiple banking and fintech ecosystems.
• Improved system performance reliability and scalability.
• Reduced implementation risks through strong architectural governance.
• Acceleration of digital payment product launches and innovation initiat

Application Question(s):

• Do you have relevant experience of designing solution architectures within Digital Payments FinTech Banking or Financial Services environments
• Have you architected and delivered end-to-end payment solutions such as digital wallets payment gateways merchant acquiring card processing remittances or P2P payment platforms
• Do you have hands-on experience integrating banking systems payment processors card schemes (Visa/Mastercard) KYC AML or fraud management platforms through APIs
• Have you designed cloud-based and microservices architectures using platforms such as AWS Azure or GCP for high-volume transactional systems
• Do you have practical knowledge of payment security and compliance standards such as PCI-DSS ISO 27001 OAuth 2.0 OpenID Connect or financial regulatory requirements
• Are you currently working or have you previously worked in a Digital Payments FinTech Banking Wallet or Financial Services organization
• Nationality
• Current Location
• Education
• Total years of experience
• Visa Category
• Visa Expiry
• Notice Period
• THE COMPENSATION AND BENEFITS PACKAGE OF THIS ROLE IS NON-NEGOTIABLE AND WE ENSURE OUR TRANSPARENCY IN IT AS WELL. The gross salary is maximum 26000 AED with company provided visa health insurance and yearly airfare. Do you agree to this

Maximum Gross Salary: AED 26000 per month

• Employment Visa: Company provided
• Health Insurance: Company provided
• Annual Airfare: Company provided (once per year)