Solution Architect

For demo Live; Pune District, Pimpri-Chinchwad; On-site; INR 4,000,000 - 7,000,000; Full time

Benefits offered by this job

Health Insurance: Coverage for you and

Training and mentorship programs

Bonuses based on performance

Gratuity and recognition programs

Paid holidays & maternity benefits

Job summary

Wai Technologies in Pune is seeking an experienced Solutions Architect to lead the architecture design of banking-grade fintech platforms, including wallets, deposits, and payments. You will own end-to-end solution design, define data integration patterns, and ensure compliance with regulatory requirements from day one.

You will collaborate with technical leads and engineering teams to produce artefacts, drive architecture governance, and evaluate vendor options for core banking, KYC, and

Qualifications

• 8+ years in software engineering, with 4+ years in solution or enterprise architecture roles.
• Proven track record architecting banking or fintech systems in production.
• Deep understanding of double-entry ledgers, reconciliation, settlement, and clearing in payments.

Responsibilities

• Design end-to-end architectures for banking and payments products such as wallets and accounts.
• Define integration patterns with core banking systems, payment switches, card schemes, and third parties (ISO 8583 / ISO 20022, EFT).
• Design ledger, reconciliation, settlement, and clearing flows with transaction integrity and idempotency.
• Own non-functional architecture: high availability, disaster recovery, capacity planning, and performance at scale.
• Lead build-vs-buy assessments and vendor selection; produce architecture artefacts and threat models.
• Establish and chair architecture governance with design reviews and standards.

Skills

Solution architecture

Enterprise architecture

Fintech domain

Cloud architecture

Distributed systems

API design

Regulatory compliance

Education

Degree in Computer Science/Engineering

Tools

Kafka

RabbitMQ

ISO 8583

ISO 20022

PCI DSS

Job description

About Wai

Wai Technologies is a cutting-edge firm that pioneers innovative solutions in the tech industry. Renowned for its forward-thinking approach, the company seamlessly blends state-of-the-art technologies with visionary strategies to empower businesses worldwide. With a commitment to excellence and a focus on transformative digital experiences, Wai Technologies stands as a beacon of technological advancement, driving growth and fostering innovation in an ever-evolving digital landscape.

As a Microsoft Solutions Partner, we excel in Cloud services, App Modernization, Data/AI, specializing in industries such as Healthcare, Fintech, Construction, and more.

Job title: Solution Architect
Location: Pune
Work Mode: WFO
Experience: 8+ Years

About The Role

We are looking for an experienced Solutions Architect to design and govern the architecture of banking-grade fintech platforms — digital wallets, money market/deposit accounts, payments, and value-added services (VAS). Think systems comparable to Shoprite Money Market, retail banking wallets, or similar high-volume consumer financial platforms.

You will own end-to-end solution design, define integration and data architecture, and ensure every system we build satisfies financial regulation from day one. You will work closely with the Technical Lead and engineering teams who build to your designs.

Key Responsibilities

• Design end-to-end architectures for banking and payments products: wallets, money market/transactional accounts, remittances, bill payments, airtime/VAS.
• Define integration patterns with core banking systems, payment switches, card schemes, and third parties (ISO 8583 / ISO 20022, EFT, RTC, DebiCheck, Rapid Payments, card issuing/acquiring).
• Design ledger, reconciliation, settlement, and clearing flows with strong guarantees around transaction integrity and idempotency.
• Own non-functional architecture: high availability, disaster recovery, capacity planning, and performance at retail scale.
• Lead build-vs-buy assessments and vendor selection (core banking, KYC, fraud, ledger platforms).
• Produce and maintain architecture artefacts: solution designs, sequence and data-flow diagrams, API contracts, and threat models.
• Establish and chair architecture governance (design reviews, standards, reference architectures).

Compliance & Security by Design

Architect Systems Compliant With South African Financial Regulation

• SARB requirements and the National Payment System Act
• FICA — KYC/AML/CFT controls, customer due diligence, transaction monitoring, FIC reporting
• GDPR — data privacy, residency, consent, retention
• PASA / payments industry rules and clearing/settlement participation
• Design for PCI DSS compliance in card data environments.
• Embed security architecture: encryption, key management (HSMs), secure SDLC, fraud controls, and complete audit trails.
• Support audits, penetration tests, and regulator or sponsor-bank due diligence.

Stakeholder Engagement

• Partner with product, compliance, legal, and operations to balance speed-to-market with regulatory obligations.
• Engage sponsor banks, card schemes (Visa/Mastercard), and fintech partners on integration and certification.
• Present architecture decisions and trade-offs to executives and external stakeholders.

Minimum Requirements

• 8+ years in software engineering, with 4+ years in solution or enterprise architecture roles.
• Proven track record architecting banking or fintech systems in production — digital wallets, money market/deposit products, payment platforms, or mobile money.
• Deep understanding of double-entry ledgers, reconciliation, settlement, and clearing in the South African payments landscape.
• Strong working knowledge of FICA, GDPR, PCI DSS, SARB/NPS requirements and how they translate into system design.
• Expertise in distributed systems: microservices, event-driven architecture, messaging (Kafka/RabbitMQ), API design, and financial-grade data modelling.
• Cloud architecture experience (AWS, Azure, or GCP) in regulated environments.

Advantages

• Core banking platform experience or proprietary ledger design.
• Card scheme certification experience (Visa/Mastercard issuing or acquiring).
• TOGAF, AWS/Azure Solutions Architect, CISSP/CISM, or PCI ISA certification.
• Degree in Computer Science, Engineering, or related field.

Personal Attributes

• Systems thinker who can zoom from regulatory obligation down to API contract.
• Clear communicator with executives, regulators, and engineers alike.
• Pragmatic — balances architectural purity with commercial delivery pressure.

Please Ensure Your Application Specifically Addresses The Following

• Name the specific platform(s) you've worked on (e.g., Money Market, a mobile money platform, or equivalent) and describe your specific role and scope on each — not just "banking/fintech experience" as a listed skill.
• Confirm direct sponsor-bank / BaaS interfacing experience — describe a specific instance where you sat in technical integration discussions with a sponsor or partner bank's engineering or compliance team, and what that involved.
• Confirm payments and credit-regulation exposure — good to have exposure: PayShap, and NCR/NCA familiarity (in addition to FICA/POPIA/PCI DSS already listed), micro-lending etc.
• Provide at least one reference who can speak directly to your fintech delivery work (not a generic HR/manager reference) — we will be verifying this as part of the process.

Working Conditions

• Complete work from office

Benefits

• We offer opportunities to work on cutting-edge projects with global clients, giving you exposure and helping you grow your skills.
• Learning and development are part of our culture, and we provide a platform to advance your career.
• Day shift from 9:30 am to 7:00 pm & fixed weekly off on Saturday and Sunday.
• Opportunities for skill development and training
• Training and mentorship programs offered.
• Performance-based annual bonuses.
• Health Insurance: Coverage for employees and dependents.
• Paid holidays & maternity benefits
• Gratuity and Employee Recognition Programs.

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