Product Architect FinTech

About this opportunityThe Product Architect – FinTech is responsible for defining, designing, and delivering end-to-end technical and business solutions across digital payments, mobile money, lending, KYC, digital identity, merchant solutions, and financial services platforms. This role requires strong financial domain knowledge, deep technical expertise, and the ability to work consultatively with customers, partners, and internal stakeholders. The architect will lead solution scoping, requirement analysis, technical design, and deployment oversight while ensuring compliance, security, performance, and regulatory alignment across markets.

Key ResponsibilitiesFinTech Solution Design & ArchitectureDesign scalable, secure, and regulatory-compliant solutions for digital payments, wallets, merchant transactions, lending, credit scoring, and financial ecosystem integrations.Analyze customer financial operations, transaction flows, risk controls, and compliance requirements to define optimized solutions.Translate business requirements into detailed technical designs spanning cloud, APIs, microservices, protocols, and core financial systems.Ensure solutions adhere to financial industry standards (PCI-DSS, ISO 8583, ISO 20022, AML/CFT, data privacy, etc.).Customer Engagement & Consultative AdvisoryEngage with banks, fintech operators, mobile money providers, and partners to understand business goals and technical landscapes.Lead workshops, requirement sessions, and technical deep-dives to define use cases and solution scope.Prepare and deliver technical proposals, architecture documents, and customer presentations.Support commercial teams with solution positioning, negotiation, and value articulation.Project Delivery & Implementation SupportSupport implementation teams during development, integration, testing, and rollout of FinTech platforms.Provide architectural governance and ensure alignment with solution blueprint throughout delivery.Conduct infrastructure capacity planning, performance evaluation, and transaction throughput modeling.Work closely with product, engineering, risk, and operations teams to ensure successful deployment.Cross-Functional CollaborationCollaborate with product roadmap teams, R&D, and engineering to translate market needs into platform features.Provide continuous feedback to improve solutions, architecture patterns, and product capabilities.

Technical SkillsArchitecture design (cloud/on-prem), microservices, containerization, high-availability and DR setups.Performance tuning, capacity estimation, and infra planning for high-volume financial transactions.Strong understanding of digital payments, wallets, mobile money, merchant acquiring, lending platforms, KYC/AML, fraud systems, and transaction processing.Experience with financial protocols and integrations — ISO 8583, ISO 20022, REST/JSON APIs, SOAP, SFTP, OAuth2, JWT, Webhooks.Knowledge of financial compliance, risk controls, settlement processes, reconciliation, and transaction dispute flows.Experience with AI/ML and automation in financial use cases (fraud detection, credit prediction, operational optimization).Business & Leadership SkillsStrong consultative and customer-facing capabilities.Financial acumen to understand revenue models, pricing, ROI, and commercial impact.Ability to mentor, guide teams, and collaborate across multi-functional units.Excellent communication, problem-solving, and negotiation skills.“All academic credentials must be from recognized and accredited institutions and are further subject to verification.”