Payments Architect

KRYJAS PRIVATE LIMITED; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

A leading fintech company in Singapore is seeking an experienced Payments Technical SME to oversee the design, delivery, and support of payment solutions. This role requires leading technical teams, ensuring security and compliance, and troubleshooting payment issues. The ideal candidate has over 15 years of experience in payments technology, strong problem-solving skills, and expertise with payment gateways. This position offers an opportunity to shape cutting-edge payment solutions in a dynamic environment.

Qualifications

• More than 15 years of experience in payments technology or fintech.
• Strong understanding of APIs, microservices, and integration.
• Hands-on experience with fraud detection and settlement systems.

Responsibilities

• Lead design and delivery of payment and card-based technology solutions.
• Manage technical teams for end-to-end delivery of payment systems.
• Ensure compliance with banking and regulatory standards.

Skills

Technical expertise in payment systems

Problem-solving skills

Stakeholder management abilities

Experience with payment gateways

Hands-on experience with APIs and microservices

Tools

Oracle SQL

Unix

Websphere

Payment products like Finastra-GPP

Job description

We are seeking an experienced payments technical sme to lead the design, delivery, and support of payment and card-based technology solutions. The role involves managing technical teams, driving end-to-end delivery of payment systems, and ensuring solutions are secure, scalable, and compliant with banking and regulatory standards.

Key Responsibilities

1. Technical Expertise & Solution Design

• Serve as the technical authority on payment systems, platforms, and integrations.
• Payments domain expertise: Domestic and International Payments, Payment routing, Cheques, Clearing & Settlement Systems (RTGS, Cross border, ACH, Faster Payments and G3 / MEPS /HK CHATS / CHAPS), SWIFT, Standing Instructions, Direct Debits, Credit transfer, Bulk Payments, Payment formats (SWIFT, ISO20022 XML, NACHA etc).
• Technical skills: Oracle SQL, Unix, Websphere.
• Experience in managing technical aspect software products.
• Provide guidance on architecture, design, and implementation of payment solutions.
• Evaluate emerging payment technologies and recommend adoption strategies.
• Document technical processes, standards, and best practices.
• Working knowledge of the cash management domain.
• Lead and manage technical teams delivering payments and card platform solutions.
• Excellent Techno Functional skill in the Payments area

2. Compliance & Risk Management

• Ensure compliance with regulatory standards.
• Implement and monitor security frameworks relevant to payments.
• Troubleshoot complex payment issues and provide root cause analysis.

3. Collaboration & Stakeholder Engagement

• Partner with product, engineering, and business teams to define requirements and deliver solutions.
• Support vendor selection, integration, and management of third-party payment providers.
• Facilitate communication between technical and non-technical stakeholders.

4. Knowledge Sharing & Leadership

• Train and mentor teams on payment systems and industry trends.
• Drive continuous improvement in payment processes and technical practices.
• Represent the organization as a subject matter expert in internal and external forums.

Requirements

• More than 15 years of experience in payments technology, financial services, or fintech.
• Proven expertise in payment processing systems (e.g., card networks, ACH, SWIFT, real-time payments).
• Expertise in configuring the payment product.
• Strong understanding of APIs, microservices, and integration patterns.
• Familiarity with compliance and security frameworks relevant to payments.
• Deep technical knowledge of payment platforms and transaction flows.
• Strong problem-solving and analytical skills.
• Oversee end-to-end project delivery including scope, timeline, quality, and budget
• Excellent communication and stakeholder management abilities.
• Hands-on experience with payment gateways, fraud detection, and settlement systems.
• Hands on experience with payment products like Finastra-GPP.
• Ability to translate complex technical concepts into business-friendly language.
• Experience with Agile / SDLC delivery models
• Strong unders1anding of payment processing, card lifecycle, and transaction flows
• Working knowledge of Agile methodology.

Preferred

• Certifications such as Certified Payments Professional (CPP) or PMP.
• Experience with cloud-based payment solutions (AWS, Azure, GCP).
• Knowledge of blockchain, digital wallets, and emerging payment technologies.
• Prior experience in global payments and cross-border transaction systems.
• Familiarity with ISO 20022 standards and instant payment schemes.