Architect

Flipkart; Bengaluru; On-site; INR 3,500,000 - 7,000,000; Full time

Job summary

Flipkart is seeking an Engineering Architect in Bengaluru to define the long-term fintech and payments technology strategy. You will lead architecture across multiple product lines, partnering with engineering managers, product leaders and business stakeholders to build resilient, scalable, secure, and AI-native financial platforms.

This hands-on role requires solving complex engineering problems at scale, mentoring senior engineers, and setting engineering standards to keep platforms simple and

Qualifications

• 10+ years engineering experience with a fintech focus.
• Expert-level system design for multi-system payment platforms.
• Experience with payment gateways, UPI, card flows, BNPL, wallet or settlement.
• Strong knowledge of PCI-DSS and secure API design.
• Hands-on leadership and mentorship across teams.

Responsibilities

• Define and deliver a scalable, secure architecture for fintech platforms.
• Lead architecture across multiple product lines and engineering teams.
• Mentor senior engineers and architects; set engineering standards and practices.
• Apply AI to enhance platform capabilities and engineering effectiveness.
• Ensure maintainability and extensibility at internet scale.

Skills

Engineering experience

System design

Payments domain

Distributed systems

Security & PCI-DSS

Tokenisation

HSM-based key management

Regulatory knowledge

Code quality

Mentorship

APIs design

Education

BE/BTech in Computer Science or equivalent

Job description

We are looking for an Engineering Architect to define and drive the long-term technology strategy for our Fintech & Payments Engineering Group.

You will provide architectural leadership across multiple product lines, partnering closely with Engineering Managers, Product leaders, and Business stakeholders to build resilient, scalable, secure, and AI-native financial platforms.

This is a hands-on technical leadership role for someone who enjoys solving complex engineering problems at scale. You will influence technology direction across multiple teams, establish engineering standards, mentor senior engineers and architects, and ensure our platforms remain simple, extensible, and future-ready while operating at internet scale.

You will solve challenges at a scale very few engineering teams in India face

What Success Looks Like

• Define and deliver a technical architecture that is scalable, resilient, secure, and built to last.
• Apply deep fintech and payments expertise to solve the most complex platform and product challenges.
• Be the trusted technical authority that product, business, and engineering leaders depend on for critical decisions.
• Leverage AI to materially improve platform capabilities and engineering effectiveness.
• Raise the technical standard of the entire engineering group — through code, design, mentorship, and culture.

You (MUST HAVES)

• 10+ years of engineering experience, with at least 3 years designing and building payment or fintech systems.
• Expert-level system design skills — proven ability to architect complex, multi-system payment platforms from first principles.
• Deep hands-on experience with one or more payment domains: payment gateways, UPI integrations, card payment flows, BNPL/EMI engines, wallet infrastructure, or settlement and reconciliation systems.
• Mastery of distributed systems fundamentals in financial contexts: idempotency, exactly-once semantics, saga/outbox patterns, event sourcing, transactional messaging, and consistency models.
• Strong understanding of PCI-DSS, tokenisation, HSM-based key management, and secure API design for sensitive payment data.
• Solid grasp of Indian payments regulatory landscape: RBI guidelines, NPCI operating circulars, KYC/AML requirements.
• Exceptional coding ability — comfortable working in large, complex codebases; can lead and execute large-scale refactoring with zero regression.
• Proven technical mentorship — track record of elevating the system design capability of teams around you.
• BE/BTech in Computer Science or equivalent.

Nice to Haves

• Familiarity with TPAP (Third-Party Application Provider) architecture on the NPCI UPI stack.
• Experience in card processing — authorization, clearing, and settlement flows; working knowledge of card scheme rules and interchange economics.
• Understanding of credit risk architecture — bureau integrations, underwriting engines, loan management systems, or co-lending platforms.
• Experience designing real-time fraud detection systems — rule engines, graph analytics for fraud rings, or ML feature stores for transaction scoring.
• Participation in fintech/payments industry forums, standards bodies, or open-source projects.