Payment Architect

Impronics Technologies; Johannesburg; Vor Ort; ZAR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

Impronics Technologies is seeking an experienced Technical Architect – Payments to lead the architecture for scalable, secure, and resilient payment platforms. You will define architecture standards, APIs, and integration patterns while collaborating with engineering, product, security, and infra teams.

The role requires hands-on design and leadership across the full SDLC, with deep domain knowledge in FX, SWIFT, and domestic payment schemes.

Qualifikationen

• Bachelor’s or Master’s degree in Computer Science, Information Technology, Engineering, or related field.
• 10–15+ years of software engineering/architecture experience, preferably in Banking/FinTech.
• 5+ years of experience in payment systems or financial transaction processing.
• Experience designing and implementing large-scale, mission-critical systems.
• Strong stakeholder management and communication skills.

Aufgaben

• Define technical architecture and solution design for payment platforms and banking apps.
• Design scalable, available, secure, and resilient payment processing solutions.
• Translate business requirements into technical architecture, solution designs, and integration patterns.
• Provide technical leadership across the software development lifecycle.
• Define architecture standards, design principles, APIs, data flows, and integration mechanisms.
• Review designs, conduct architecture reviews, and guide development teams.
• Drive cloud adoption, API-led integration, microservices, and modernization of legacy platforms.

Kenntnisse

Java Spring Boot

NET

Microservices

REST APIs

Event-driven architecture

API Gateway

Integration patterns

Distributed systems

Databases (Relational & NoSQL)

Cloud platforms (AWS/Azure/GCP)

Docker & Kubernetes

Security: encryption, auth, secure API

CI/CD & DevOps

Observability & monitoring

High availability & DR

Ausbildung

Bachelor’s or Master’s degree in CS/IT/Engineering

Tools

Kafka

MQ

Docker

Kubernetes

AWS

Azure

GCP

Jobbeschreibung

Role Overview

We are looking for an experienced Technical Architect – Payments with strong expertise in the Banking and Payments domain. The ideal candidate will have hands‑on experience designing and architecting highly scalable, secure, and resilient payment solutions, with strong knowledge of Foreign Exchange (FX), SWIFT messaging, and/or Domestic Payments.

The candidate will be responsible for defining technical architecture, translating business requirements into scalable solutions, driving architectural decisions, and collaborating with engineering, product, business, security, and infrastructure teams.

Key Responsibilities

• Define and own the technical architecture and solution design for payment platforms and banking applications.
• Design scalable, highly available, secure, and resilient payment processing solutions.
• Translate business and functional requirements into technical architecture, solution designs, and integration patterns.
• Provide technical leadership across the complete software development lifecycle.
• Design integrations with payment gateways, core banking systems, treasury systems, FX platforms, clearing systems, and external financial institutions.
• Work closely with business stakeholders, product managers, engineering teams, and enterprise architects.
• Define architecture standards, design principles, technology choices, APIs, interfaces, data flows, and integration mechanisms.
• Ensure solutions comply with security, regulatory, audit, performance, and operational requirements.
• Review technical designs, conduct architecture reviews, and provide guidance to development teams.
• Identify technical risks, architectural gaps, scalability challenges, and opportunities for modernization.
• Drive cloud adoption, API‑led integration, microservices, event‑driven architecture, and modernization of legacy payment platforms where applicable.
• Support production‑critical payment systems and contribute to troubleshooting complex technical issues.
• Mentor senior developers, technical leads, and architects.

Payments Domain Expertise

The candidate should have strong experience in one or more of the following areas:

Foreign Exchange (FX)

• FX transaction lifecycle and processing.
• Spot, forward, swap, and other FX products.
• FX pricing, rate management, and currency conversion.
• Integration with FX/treasury platforms.
• Trade capture, confirmation, settlement, and reconciliation.
• Multi‑currency payment processing.

SWIFT / International Payments

• Strong understanding of SWIFT messaging and payment processing.
• Experience with SWIFT MT and/or ISO 20022 MX messages.
• Knowledge of payment messages such as MT103, MT202, MT202 COV, and corresponding ISO 20022 messages.
• Understanding of cross‑border payments, correspondent banking, nostro/vostro accounts, settlement, and reconciliation.
• Knowledge of SWIFT gpi and international payment tracking is desirable.
• Experience with ISO 20022 migration/adoption is highly preferred.

Domestic Payments

Experience with domestic payment systems such as:

• NEFT / RTGS / IMPS / UPI or equivalent domestic payment schemes.
• Payment initiation, validation, routing, processing, clearing, and settlement.
• Payment status and lifecycle management.
• Reconciliation and exception handling.
• Integration with banks, payment processors, clearing houses, and regulatory systems.

Technical Skills

• Strong experience in Java / Spring Boot, .NET, or equivalent enterprise technologies.
• Strong understanding of Microservices and REST APIs.
• Experience with event‑driven architecture and messaging platforms such as Kafka, MQ, or equivalent.
• Strong knowledge of API Gateway, integration patterns, and distributed systems.
• Experience with relational and NoSQL databases.
• Knowledge of cloud platforms such as AWS, Azure, or GCP.
• Experience with containerization and orchestration technologies such as Docker and Kubernetes is desirable.
• Strong understanding of security principles, encryption, authentication, authorization, and secure API design.
• Experience with CI/CD, DevOps, observability, logging, and monitoring.
• Strong understanding of high availability, disaster recovery, fault tolerance, and performance engineering.

Architecture & Design Skills

• Strong knowledge of Solution Architecture, Enterprise Architecture, and Integration Architecture.
• Experience creating:
• High‑Level Design (HLD)
• Low‑Level Design (LLD)
• Architecture Decision Records (ADRs)
• Sequence diagrams
• Data flow diagrams
• Integration/API specifications
• Strong understanding of domain‑driven design, design patterns, distributed systems, and scalable architecture.
• Ability to evaluate build vs. buy decisions and recommend appropriate technology solutions.

Regulatory & Security Knowledge

Good understanding of banking and payment security and regulatory requirements, including:

• PCI DSS
• AML / KYC concepts
• Payment fraud and risk controls
• Data privacy and protection
• Secure payment processing
• Audit and regulatory compliance
• Strong authentication and encryption mechanisms

Required Qualifications

• Bachelor's or Master's degree in Computer Science, Information Technology, Engineering, or a related field.
• 10–15+ years of experience in software engineering/architecture, preferably within Banking, Financial Services, Payments, or FinTech.
• At least 5+ years of experience working in payment systems or financial transaction processing.
• Proven experience in designing and implementing large‑scale, mission‑critical systems.
• Strong stakeholder management and communication skills.
• Ability to explain complex technical concepts to both technical and non‑technical stakeholders.

Preferred Experience

Candidates with experience in any of the following will be highly preferred:

• SWIFT / ISO 20022
• Foreign Exchange / Treasury
• Cross‑border payments
• Domestic payment systems
• Payment orchestration
• Core banking integration
• Clearing and settlement
• Payment gateways
• Real‑time payments
• Payment modernization
• Cloud‑native payment platforms

Key Competencies

• Payment Domain Expertise
• Solution & Technical Architecture
• System Integration
• Distributed Systems
• API & Event‑Driven Architecture
• Cloud Architecture
• Security & Resilience
• Technical Leadership
• Stakeholder Management
• Problem Solving