Senior Associate Java Full Stack Engineer

PriceWaterhouseCoopers Pvt Ltd ( PWC ); Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

PwC is seeking a highly skilled Payments Technology professional (Senior Associate) to design and deliver RTGS and high-value payment solutions. You will blend domain expertise with modern architecture, including microservices, APIs, and enterprise integration patterns, contributing to RTGS transformation and payment modernisation initiatives.

The role requires hands-on experience with real-time payment systems, API-driven delivery, and collaboration with cross-functional teams to ensure secure,

Qualifications

• 3-8 years of relevant experience in payments technology, payment architecture, solution design, systems integration, or payment transformation.
• Demonstrated technical experience working on RTGS systems or high-value payment infrastructures.
• Practical experience in solution architecture, application architecture, technical design, or engineering-led delivery.

Responsibilities

• Design end-to-end technology solutions across RTGS and high-value payment ecosystems.
• Develop scalable, resilient, secure, and supportable payment architectures aligned with enterprise technology standards.
• Define solution blueprints, integration patterns, and target-state architectures for payment modernisation programmes.
• Conduct architecture assessments, solution reviews, technical impact analyses, and design assurance.
• Translate business, operational, regulatory, and scheme requirements into implementable technology solutions.

Skills

Java

API design

AWS

Kafka

Education

BTECH/MTECH

Bachelor of Engineering

Job description

IN_Sr Associate_Techno Functional BA - Payments_GCC_Advisory_Bangalore Line of Service Advisory Industry/Sector Not Applicable Specialism Data, Analytics & AI Management Level Senior Associate Job Description & Summary

At PwC, our people in data and analytics engineering focus on leveraging advanced technologies and techniques to design and develop robust data solutions for clients. They play a crucial role in transforming raw data into actionable insights, enabling informed decision-making and driving business growth. In data engineering at PwC, you will focus on designing and building data infrastructure and systems to enable efficient data processing and analysis. You will be responsible for developing and implementing data pipelines, data integration, and data transformation solutions.

Why PWC

At PwC, you will be part of a vibrant community of solvers that leads with trust and creates distinctive outcomes for our clients and communities. This purpose-led and values-driven work, powered by technology in an environment that drives innovation, will enable you to make a tangible impact in the real world. We reward your contributions, support your wellbeing, and offer inclusive benefits, flexibility programmes and mentorship that will help you thrive in work and life. Together, we grow, learn, care, collaborate, and create a future of infinite experiences for each other.

Learn more about us .

At PwC, we believe in providing equal employment opportunities, without any discrimination on the grounds of gender, ethnic background, age, disability, marital status, sexual orientation, pregnancy, gender identity or expression, religion or other beliefs, perceived differences and status protected by law. We strive to create an environment where each one of our people can bring their true selves and contribute to their personal growth and the firm’s growth. To enable this, we have zero tolerance for any discrimination and harassment based on the above considerations.

Job Description and Summary

We are seeking a highly motivated Payments Technology professional with strong experience in RTGS platforms, payment architecture, and solution design. The ideal candidate will combine deep payments domain knowledge with modern technical architecture expertise, including hands-on exposure to real-time payment systems, microservices-based architectures, APIs, and enterprise integration patterns. The role will contribute to the design and delivery of next-generation payment solutions, including RTGS transformation, payment modernisation, ISO 20022 adoption, and real-time settlement initiatives.

Responsibilities

Payments Architecture & Solution Design

• Design end-to-end technology solutions across RTGS and high-value payment ecosystems.
• Develop scalable, resilient, secure, and supportable payment architectures aligned with enterprise technology standards.
• Define solution blueprints, integration patterns, and target-state architectures for payment modernisation programmes.
• Conduct architecture assessments, solution reviews, technical impact analyses, and design assurance.
• Translate business, operational, regulatory, and scheme requirements into implementable technology solutions.

RTGS & High-Value Payments

• Provide domain and technical expertise across global RTGS schemes and real-time settlement infrastructures.
• Support implementation, transformation, or modernisation initiatives involving RTGS platforms.
• Analyse payment processing flows, settlement mechanisms, liquidity management, participant connectivity, messaging, reconciliation, and exception handling.
• Contribute to design decisions covering payment orchestration, routing, validation, settlement, monitoring, and operational resilience.

Technical Architecture & Engineering

• Design and review microservices-based architectures for payment applications and supporting services.
• Define API specifications, service interaction models, enterprise integration patterns, and interface contracts.
• Contribute to designs involving REST APIs, event-driven architecture, distributed systems, containerised services, cloud-native principles, high availability, and resiliency.
• Work closely with engineering, infrastructure, security, testing, and operations teams through implementation and technical delivery.

Stakeholder & Design Governance

• Facilitate solution workshops, technical discussions, architecture reviews, and governance forums.
• Produce clear architecture documents, solution designs, technical specifications, data and integration views, and implementation roadmaps.
• Communicate complex technical concepts effectively to business, product, operations, and technology stakeholders.

Mandatory Skill Sets:

Professional Experience

• 3-8 years of relevant experience in payments technology, payment architecture, solution design, systems integration, or payment transformation.
• Demonstrated technical experience working on RTGS systems or high-value payment infrastructures.
• Practical experience in solution architecture, application architecture, technical design, or engineering-led delivery.
• Experience working within banks, central banks, payment infrastructure providers, financial market infrastructures, or payment technology organisations.

Payments Domain Expertise

• Strong understanding of RTGS, high-value payments, settlement flows, liquidity considerations, payment messaging, reconciliation, and exception management.
• Experience with one or more global RTGS schemes, such as T2, Fedwire Funds Service, RITS, CHAPS, BOJ- NET, or comparable domestic high-value payment systems.
• Understanding of ISO 20022 payment messages and their application within payment initiation, clearing, settlement, reporting, and exception processes.
• Awareness of payment hubs, payment orchestration, participant gateways, sanctions and fraud controls, and settlement account integration.

Technical Skills

• Strong knowledge of microservices architecture, API design, RESTful services, enterprise integration patterns, and distributed systems.
• Ability to produce and review solution architecture artefacts, sequence diagrams, component views, interface designs, and non-functional requirements.
• Understanding of event-driven architectures, messaging middleware, system integration frameworks, high availability, resiliency, observability, and security-by-design.
• Working knowledge of modern engineering and deployment approaches, including containers, DevOps, CI/CD, and cloud-native application design.

Preferred Skill Sets:

1. RTGS transformation, payment modernisation, or ISO 20022 migration experience.
2. Exposure to Kubernetes or OpenShift, Docker, Kafka or equivalent messaging platforms, API gateways
3. Experience designing payment hubs, orchestration layers, scheme gateways, or settlement and liquidity integrations.

Years of Experience required: 3-8 years

Education Qualification: BTECH/MTECH

Degrees/Field of Study required: Bachelor of Engineering

Degrees/Field of Study preferred:

Certifications (if blank, certifications not specified)

Required Skills Java Software Development

Optional Skills Accepting Feedback, Accepting Feedback, Active Listening, Agile Scalability, AI Fluency, AI-Human Collaboration, Amazon Web Services (AWS), Analytical Thinking, Apache Airflow, Apache Hadoop, Azure Data Factory, Communication, Creativity, Data Anonymization, Data Architecture, Database Administration, Database Management System (DBMS), Database Optimization, Database Security Best Practices, Databricks Unified Data Analytics Platform, Data Engineering, Data Engineering Platforms, Data Infrastructure, Data Integration, Data Lake {+ 31 more}

Travel Requirements Not Specified

Available for Work Visa Sponsorship? No

Government Clearance Required? No