Payments Product & Domain Lead (GenAI Solution Architect)

Incubit; Town of Philadelphia (NY); On-site; USD 83,000 - 152,000; Full time

Job summary

Incubit LLC is seeking a Payments Product & Domain Lead (Gen AI Solution Architect) to lead strategy for AI-enabled payment experiences in New York/Philadelphia. The role demands 8+ years in payments and strong API-driven, cloud-native capabilities.

The incumbent will shape agentic payment propositions, wallet optimization, and end-to-end architecture, coordinating with stakeholders and delivering ROI-driven roadmaps.

Qualifications

• 8+ years in Payments, Cards, Digital Commerce, Banking, or FinTech.
• Strong understanding of API-driven architectures, payment integration patterns, and cloud-native solutions.
• GenAI, AI agents, autonomous workflows, and conversational commerce experience.
• Familiarity with PCI-DSS, tokenization, fraud prevention frameworks.
• Experience with major cloud providers (Azure/AWS/GCP) and payments ecosystems.

Responsibilities

• Lead payments strategy and product leadership for agentic commerce and AI-enabled experiences.
• Assess agentic checkout and autonomous purchasing capabilities; define use cases across sectors.
• Optimize wallets and top-of-wallet placement; analyze incentive and routing strategies.
• Map end-to-end payments capabilities including wallets, loyalty, and merchant integrations.
• Validate critical payment flows (authorization, declines, refunds) and ensure regulatory compliance.
• Build business cases, ROI models, and a phased delivery roadmap.

Skills

Payments domain expertise

GenAI & agentic systems

APIs & integration

Cloud-native architectures

Tools

Azure

AWS

GCP

Job description

Payments Product & Domain Lead (GenAI Solution Architect)

Job Title: Payments Product & Domain Lead (Gen AI Solution Architect)

Location: Philadelphia ,New York, USA

Experience Level:8+ years.

Who Can Apply- US Citizen, Green Card Holder, Valid US Work permit

Company Overview: Incubit LLC is a well-established and innovative technology company based in Ohio, USA. We are seeking a Payments Product & Domain Lead (Gen AI Solution Architect) with expertise in GenAI solution architect capabilities to join the project of one of the leading Bank based at New York, USA. Website: www.incubit.com

Key Responsibilities

Payments Strategy & Product Leadership

• Lead the payments domain strategy for agentic commerce and AI-enabled payment experiences.
• Identify opportunities to enhance customer payment journeys, wallet adoption, and top-of-wallet positioning.
• Evaluate emerging payment technologies, digital commerce trends, and AI-driven payment ecosystems.
• Develop strategic recommendations and secure stakeholder alignment, including GCO approval.

Agentic Checkout & Commerce Assessment

• Assess agent-driven checkout and autonomous purchasing capabilities.
• Define agentic payment use cases across retail, travel, subscriptions, corporate spend, and partner ecosystems.
• Evaluate customer experience, trust, security, compliance, and operational considerations.
• Recommend one or more high-value agentic payment propositions for implementation.

Wallets & Top-of-Wallet Optimization

• Analyze digital wallet ecosystems and payment orchestration opportunities.
• Identify strategies to improve card preference and top-of-wallet placement.
• Evaluate customer incentives, rewards optimization, and payment routing capabilities.
• Define wallet integration and enablement requirements.

Payments Architecture & Domain Mapping

• Map and document end-to-end payment capabilities, including:
• Digital wallets
• Rewards and loyalty programs
• Promotional offers
• Corporate payment controls
• Merchant and partner integrations
• Define target-state payment architecture and functional dependencies.

Customer Journey & Transaction Validation

• Validate critical payment flows, including:
• Card selection and recommendation
• Authorization and authentication
• Payment declines and recovery strategies
• Refunds and chargebacks
• Ensure solutions meet customer, business, and regulatory requirements.

Economics & Partnership Assessment

• Assess commercial viability of proposed payment products and experiences.
• Analyze:
• Revenue opportunities
• Interchange impacts
• Reward costs
• Operational costs
• Build business cases and ROI models for prioritized propositions.

Solution Architecture & Delivery Planning

• Define solution architecture patterns for agentic payment capabilities.
• Evaluate integration requirements across payment gateways, processors, wallets, token services, rewards systems, and AI platforms.
• Identify implementation dependencies, risks, and delivery constraints.
• Develop a phased execution roadmap.
• Produce detailed proposition specifications and business requirements.
• Create user stories, architectural requirements, and acceptance criteria.
• Prioritize capabilities and delivery milestones.
• Support delivery teams throughout implementation.

Required Skills & Experience

Payments Domain Expertise

• 8+ years of experience in Payments, Cards, Digital Commerce, Banking, or FinTech.
• Deep understanding of:
• Card payments
• Wallets and mobile payments
• Rewards and loyalty ecosystems
• Corporate payments
• Strong understanding of API-driven architectures, payment integration patterns, and cloud-native solutions.
• Ability to translate business requirements into scalable technical designs.

GenAI & Agentic Systems

• Experience with GenAI, AI agents, autonomous workflows, and conversational commerce.
• Understanding of AI-assisted checkout, recommendations, and commerce orchestration.
• Familiarity with RAG, agent frameworks, and AI platform ecosystems.

Preferred Qualifications

• Experience with Visa, Mastercard, Amex, digital wallet providers, payment gateways, or large banking institutions.
• Knowledge of PCI-DSS, payment security, tokenization standards, and fraud prevention frameworks.
• Experience with Azure, AWS, GCP, or cloud-based payment architectures.
• Familiarity with Open Banking, embedded finance, and agentic commerce ecosystems.
• Agentic commerce opportunity analysis
• Wallet and top-of-wallet strategy
• Tokenization, rewards, and payment capability map
• Agentic payment proposition specifications
• Checkout validation framework
• Economics and partnership assessment
• Payments roadmap and implementation plan
• Architecture recommendations and dependency analysis
• GCO-approved proposition package
• Type: Contract
• Duration: 6 Month (Extendable)
• Working Model: WFO
• Hourly Rate: Competitive, based on experience.