Principal Solution Architect (Payments & Banking) - Mumbai

iServeU Technology Pvt. ltd.; Mumbai; On-site; INR 1,080,000 - 1,800,000; Full time

Job summary

iServeU Technology Pvt. ltd. is seeking a Principal Solution Architect (Payments & Banking) in Mumbai to drive technical customer engagements and solution architecture for enterprise banking clients.

Based out of the Mumbai region, you will bridge engineering with senior banking stakeholders, delivering demonstrations and trusted technical guidance. You will own mastery of Indian payment rails, ISO messaging, and regulatory alignments while guiding PoCs and multi-bank deployments at scale.

Qualifications

• Proven track record in Indian payments tech/products.
• Experience with banks and payment rails advice to clients.

Responsibilities

• Lead end-to-end technical product demonstrations for banking executives.
• Articulate platform advantages (throughput, latency, microservices, TCO).
• Engage in PoCs, RFPs/RFIs, and architecture conversations with banks.

Skills

Payments Tech Background

Banking Domain Expertise

Client-facing Advisory

Real-Time Payments

Job description

iServeU Technology Pvt. ltd. | Full time

Principal Solution Architect (Payments & Banking) - Mumbai

Position: Principal Solution Architect (Payments & Banking)

Department: Technology / Technical Sales & Solution Engineering

Location: Chennai, Mumbai and Delhi

Compensation: up to 18 LPA

Reports To: Chief Technology Officer (CTO)

Company Overview

iServeU is a modern banking infrastructure provider in APAC region, empowering financial enterprises with embedded fintech solutions for their customers. iServeU is one of the few certified partners with National Payment Corporation of India (NPCI), VISA for various products. iServeU also provides a cloud-native, micro services-enabled, distributed platform with over 5000 possible product configurations with a low code/no code interface to banks, NBFCs, Fintech, and other regulated entities.

We process around 2500 transactions per second by leveraging distributed & auto scale technology like K8.

Our core platform combines over 1200 micro services.

Our customer list includes Fintech start-ups, top tier private banks to PSU bank. We operate in five countries and help customers constantly change the way financial institutions operate and innovate.

Our solutions currently empower over 20 banks and 250+ enterprises across India and abroad.

Our platform seamlessly manages the entire transaction lifecycle, including withdrawals, deposits, transfers, payments, and lending through various channels like digital, branch, agents.

Our team of 500+ employees, with over 80% in technology roles is spread across offices in Bhubaneswar, Bangalore and Delhi. We have raised $8 million in funding to support our growth and innovation.

Role Overview

We are seeking a high-caliber, deeply technical Principal Solution Architect to drive technical customer engagement, product evangelism, and solution architecture for our enterprise banking clients. Based out of our Chennai office, you will be the definitive technical voice of our product ecosystem. Your mission is two-fold: maintain absolute mastery over the complex, fast-evolving Indian payments landscape, and act as a trusted technical advisor to leadership teams at major commercial, retail, and cooperative banks. You will bridge the gap between core engineering and executive banking clients—delivering deep-dive technical demonstrations, articulating feature differentiation, and instilling absolute confidence that our architecture can flawlessly handle mission-critical transaction volumes.

Core Responsibilities

1. Technical Customer Evangelism & Value Demonstration

   • Lead end-to-end technical product demonstrations for C‑suite executives, IT heads, and chief architects at prospective banks.
   • Clearly articulate how our platform stands out from legacy systems in terms of throughput, low latency, microservices architecture, automated failover mechanisms, and total cost of ownership (TCO).
   • Address complex architectural, infrastructure, and deployment queries on the spot. Proactively mitigate risk concerns to convince highly risk‑averse banking committees that our product will scale seamlessly to their needs.
   • Scrutinize RFP/RFI requirements from banks, design tailored technical solution blueprints, and oversee execution lines for high‑stakes PoCs.

2. Payment Lifecycle & Architecture Mastery

   • Maintain an authoritative understanding of the full lifecycle of Indian payment rails—including transaction switching, routing matrices, authorization loops, realtime clearing, multi‑party settlement, automated reconciliation, and dispute/chargeback management frameworks.
   • Demonstrate deep familiarity with payment messaging standards (ISO 8583, ISO 20022, JSON/RESTful APIs), cryptographic hardware integrations (HSMs), and database management systems optimized for heavy transaction concurrency.

3. Compliance & Regulatory Alignment

   • Ensure all solution architectures proposed to client banks perfectly align with the latest Reserve Bank of India (RBI) mandates and National Payments Corporation of India (NPCI) procedural guidelines.
   • Guide clients through our product's native compliance frameworks, including PCI‑DSS, data localization laws, card tokenization rules, and strict access control guidelines.

Requirements

1. Mandatory Industry Pedigree

   • Payments Tech Background: You must have a proven track record of working on the technical/engineering side of an established Indian payments technology company. Direct experience at organizations providing payment switch/core‑banking solutions is mandatory.
   • Banking Domain Trust: Minimum 5-8 years of core technical experience, with at least 3+ years in a client‑facing technical sales, solution engineering, or advisory role directly facing Indian banks.

2. Deep Transactional Expertise

   • Real‑Time Retail Payments: UPI (Unified Payments Interface), IMPS, and AePS (Aadhar Enabled Payment System).
   • High‑Value & Batch Rails: NEFT, RTGS, and direct integrations with the RBI’s E‑Kuber system.
   • Value‑Added Systems: BBPS (Bharat Bill Payment System), NACH, and comprehensive Card/POS/ATM switching ecosystems.

3. Exceptional Interpersonal & Communication Skills

   • Engine Room to Boardroom Translator: Ability to debate low‑level database deadlocks or API structures with engineering teams in one hour, and deliver a polished, business-value driven presentation to a Bank MD in the next.
   • High‑Trust Consultant Mentality: A patient, educational approach to customer success. You do not just sell features—you educate banking stakeholders on the structural evolution of modern fintech infrastructure.