Solutions Architect – Payments

OCBC; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

OCBC is seeking a Technology Architecture professional in Singapore to lead end-to-end payment architecture across initiation, processing, settlement, and reporting. You will work with stakeholders to design scalable, secure solutions that meet regulatory and business requirements, while guiding engineering teams through complex design decisions.

The role emphasizes hands-on architectural leadership, domain-driven design, API-first integration and event-driven microservices, with focus on

Qualifications

• 7+ years of experience in technology solutioning, solution architecture or application architecture, preferably in banking/payments.
• At least 3 years hands-on in microservices, Java, Spring Boot, messaging (MQ/Kafka), container platforms (Kubernetes/OpenShift) and databases.
• Experience with domestic and cross-border payment rails, real-time payments and high-value payments.
• Strong understanding of payment lifecycle from initiation to settlement and reconciliation.

Responsibilities

• Lead end-to-end solution architecture for payment capabilities across initiation, processing, settlement, and reporting.
• Design payment solutions meeting business, regulatory, security, resiliency, scalability and performance requirements.
• Drive modernization and migration initiatives including architecture definition, data conversion and cutover planning.
• Produce architecture artefacts: context diagrams, sequence flows, integration patterns, deployment views, non-functional requirements and architecture decisions.
• Define designs with domain-driven design, API-first integration, event-driven architecture and microservices granularity.
• Ensure designs meet 24x7 availability, high throughput, low latency, idempotency and observability.
• Collaborate with engineering teams, provide hands-on guidance on complex design, performance and production issues.
• Share payment domain knowledge and architecture patterns across teams.

Skills

Java

Spring Boot

Microservices

Messaging (MQ/Kafka)

Kubernetes/OpenShift

Databases

Architecture leadership

Stakeholder communication

Education

BSc in Computer Science / Engineering

Tools

Kubernetes

OpenShift

Kafka

MQ

SWIFT messaging

ISO 20022

Job description

WHO WE ARE:

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Why Join

Imagine being part of a team that shapes the future of banking technology. As a Technology Architecture professional at OCBC, you’ll play a key role in designing and implementing innovative solutions that transform the way we deliver financial services. You’ll have the opportunity to work on exciting projects, collaborate with talented individuals, and develop your skills in a dynamic and supportive environment.

How you succeed

To succeed in this role, you’ll need to stay ahead of the curve in terms of technology trends and advancements. You’ll work closely with stakeholders to understand their needs and develop architecture solutions that meet their requirements. You’ll also need to collaborate with cross-functional teams to ensure seamless integration and implementation of technology solutions.

What you do

• Lead end-to-end solution architecture for payment capabilities across initiation, processing, clearing, settlement, exception management, reconciliation, notification, enquiry and reporting.
• Design payment solutions that meet business, regulatory, security, resiliency, scalability, performance, availability and operational requirements across domestic, cross-border, real-time and high-value payment flows.
• Drive payment modernization and migration initiatives, including current-state assessment, target architecture definition, domain decomposition, coexistence design, migration roadmap, cutover strategy, data conversion and rollback planning.
• Produce architecture and design artefacts including context diagrams, component diagrams, sequence flows, integration patterns, deployment views, non-functional requirements, security considerations and architecture decision records.
• Define detailed designs using domain-driven design, bounded contexts, API-first integration, event-driven architecture, microservices granularity, messaging patterns and reusable platform capabilities.
• Produce robust design for non-functional requirements including 24x7 availability, high throughput, low latency, idempotency, duplicate handling, message ordering, retry, reconciliation, observability and disaster recovery.
• Identify architecture deviations, technical debt, design risks and implementation constraints, and drive timely resolution through architecture, platform and delivery governance forums.
• Work closely with engineering teams throughout delivery, providing hands‑on guidance on complex design, integration, coding, performance, reliability and production issue resolution.
• Promote a learning culture by sharing payment domain knowledge, architecture patterns, engineering practices and lessons learned across teams.

Who you are

• Preferably 7+ years of experience in technology solutioning, solution architecture or application architecture, with strong exposure to banking and payment systems.
• At least 3 years of hands‑on experience in microservices architecture, Java, Spring Boot, messaging (MQ/Kafka), container platforms (Kubernetes/OpenShift) and databases.
• Experience with domestic and cross‑border payment rails, real‑time payments, high‑value payments, SWIFT messaging, ISO 20022, payment status tracking and customer communication use cases.
• Good understanding of payment lifecycle across initiation, validation, enrichment, routing, screening, authorisation, clearing, settlement, posting, notification, reconciliation and exception handling.
• Strong analytical, problem‑solving and decision‑making skills, with the ability to assess risks, evaluate options and recommend pragmatic architecture choices.
• Ability to independently lead solution design from an architectural standpoint, challenge assumptions constructively and balance strategic alignment with delivery practicality.
• Strong ability to communicate architecture decisions clearly through written documents, diagrams, presentations and stakeholder discussions across business, technology and senior management audiences.
• Effective collaborator with the ability to influence stakeholders, manage trade‑offs and drive consensus across business, architecture, engineering, infrastructure, security and operations teams.
• Thought leadership, mentoring experience, contribution to architecture standards, reusable patterns, reference architectures or white papers will be an advantage.

Who we are

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future‑ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future‑ready career. Your Opportunity Starts Here.

What we offer:

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry‑leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.