Product Architect FinTech

Ericsson; Bengaluru; On-site; INR 3,500,000 - 5,200,000; Full time

Job summary

Ericsson is seeking a Product Architect – FinTech to define and deliver end-to-end technical and business solutions across digital payments, wallets, lending, KYC, and financial services platforms. The role requires deep financial domain knowledge and consultative engagement with customers and partners.

You will lead scoping, design, and deployment oversight while ensuring security, performance, and regulatory alignment across markets, collaborating with product, risk, and operations teams.

Qualifications

• Experience designing digital payments, wallets, lending platforms, and KYC/AML systems.
• Ability to translate business needs into detailed technical designs spanning cloud, APIs, microservices, and protocols.
• Knowledge of PCI-DSS, ISO 8583, ISO 20022, AML/CFT and data privacy standards.

Responsibilities

• Lead FinTech solution design and architecture for end-to-end platforms across payments, wallets, lending, and identity services.
• Design scalable, secure, and regulatory-compliant solutions for fintech ecosystems.
• Analyze customer financial operations and compliance requirements to optimize solutions.
• Translate business requirements into architectural designs spanning cloud, APIs, and core financial systems.
• Ensure alignment with PCI-DSS, ISO 8583/20022, AML/CFT, and data privacy standards.
• Engage with banks, fintechs, and partners to understand goals and technical landscapes.
• Lead workshops and sessions to define use cases and solution scope.
• Prepare technical proposals, architecture documents, and customer presentations.
• Support commercial teams with solution positioning and value articulation.

Skills

FinTech domain knowledge

Solution architecture

Consultative engagement

Stakeholder management

Regulatory & compliance awareness

Tools

Cloud/on-prem architecture

APIs

Microservices

Containerization

Data security standards (PCI-DSS)

Job description

The Product Architect – FinTech is responsible for defining, designing, and delivering end-to-end technical and business solutions across digital payments, mobile money, lending, KYC, digital identity, merchant solutions, and financial services platforms. This role requires strong financial domain knowledge, deep technical expertise, and the ability to work consultatively with customers, partners, and internal stakeholders. The architect will lead solution scoping, requirement analysis, technical design, and deployment oversight while ensuring compliance, security, performance, and regulatory alignment across markets.

Key Responsibilities

FinTech Solution Design & Architecture

Design scalable, secure, and regulatory-compliant solutions for digital payments, wallets, merchant transactions, lending, credit scoring, and financial ecosystem integrations.

Analyze customer financial operations, transaction flows, risk controls, and compliance requirements to define optimized solutions.

Translate business requirements into detailed technical designs spanning cloud, APIs, microservices, protocols, and core financial systems.

Ensure solutions adhere to financial industry standards (PCI-DSS, ISO 8583, ISO 20022, AML/CFT, data privacy, etc.).

Engage with banks, fintech operators, mobile money providers, and partners to understand business goals and technical landscapes.

Lead workshops, requirement sessions, and technical deep-dives to define use cases and solution scope.

Prepare and deliver technical proposals, architecture documents, and customer presentations.

Support commercial teams with solution positioning, negotiation, and value articulation.

Project Delivery & Implementation Support

Support implementation teams during development, integration, testing, and rollout of FinTech platforms.

Provide architectural governance and ensure alignment with solution blueprint throughout delivery.

Conduct infrastructure capacity planning, performance evaluation, and transaction throughput modeling.

Work closely with product, engineering, risk, and operations teams to ensure successful deployment.

Cross-Functional Collaboration

Collaborate with product roadmap teams, R&D, and engineering to translate market needs into platform features.

Provide continuous feedback to improve solutions, architecture patterns, and product capabilities.

Technical Skills

Architecture design (cloud/on-prem), microservices, containerization, high-availability and DR setups.

Performance tuning, capacity estimation, and infra planning for high-volume financial transactions.

Strong understanding of digital payments, wallets, mobile money, merchant acquiring, lending platforms, KYC/AML, fraud systems, and transaction processing.

Experience with financial protocols and integrations — ISO 8583, ISO 20022, REST/JSON APIs, SOAP, SFTP, OAuth2, JWT, Webhooks.

Knowledge of financial compliance, risk controls, settlement processes, reconciliation, and transaction dispute flows.

Experience with AI/ML and automation in financial use cases (fraud detection, credit prediction, operational optimization).

Business & Leadership Skills

Strong consultative and customer-facing capabilities.

Financial acumen to understand revenue models, pricing, ROI, and commercial impact.

Ability to mentor, guide teams, and collaborate across multi-functional units.

Excellent communication, problem-solving, and negotiation skills.

“All academic credentials must be from recognized and accredited institutions and are further subject to verification.”