Engineering Lead Retails Payments (Domestic & Cross Border Payments)

Job description

Engineering Lead - Retails Payments (Domestic & Cross Border Payments)
Lead Engineering Lead for Cross Border & Domestic Payments to drive technical excellence, mentor multiple engineering leads, and ensure the successful delivery of large-scale, complex solutions.

This role involves strategic leadership, architecture oversight, and engineering execution across multiple teams with a strong background in Microservices Architecture, deep expertise in retail banking, and knowledge of ISO messaging standards.

The ideal candidate will drive solution, architecture, design, and delivery ensuring compliance with security and governance standards while fostering innovation and efficiency in digital payment solutions.


Design robust API-driven microservices solutions for retail payments, ensuring scalability, security, and compliance.


Define end-to-end solution architecture for payment applications, ensuring alignment with business and regulatory requirements.


Collaborate with stakeholders to translate business requirements into scalable and maintainable technology solutions.


Ensure seamless integration of payment systems with other banking platforms and third-party services.


Conduct performance optimization and implement best practices to enhance reliability and scalability.


Governance, Security and Compliance:
Identify and implement security controls by collaborating with Security teams.


Ensure adherence to regulatory compliance, risk mitigation and governance policies.


Conduct security impact assessments to mitigate potential risks throughout the delivery lifecycle.


Ensure adherence to enterprise technology standards and best practices in payment system design and implementation.


Collaboration and Alignment:
Work closely with Product Owners, Security and Chapters to define and implement solutions.


Provide technical leadership and mentorship to development teams, ensuring high-quality software delivery.


Collaborate with cross-functional teams for successful implementation and deployment of payment solutions.


Actively participate in solution reviews and architectural governance forums.


Stay updated on emerging technologies in the payment space.


Foster a culture of innovation by driving modernization initiatives and continuous improvement strategies.


Align technical solutions with the organization's long-term technology vision and business goals.


Leverage automation, CI/CD and SecDevOps practices to improve software development efficiency.


Our Ideal Candidate
12+ years’ experience as Engineering Lead
Experience in creating a roadmap for applications which are robust and futuristic solutions for Domestic and Cross Border Payment domain.


Experience in handling the Solution Architecture designing and delivery for the Domestic and Cross Border Payments domain.


Knowledge on Remittance, Fund Transfer, ISO20022 messaging standard protocols.


Hands-on experience with Domestic Payments systems and international Payments systems like WISE, Google, VISA, MasterCard etc.


Knowledge about HSM protocols and configuration, knowledge about encryption keys/cryptography both symmetric and asymmetric keys, 3DES, AES, SM4, SHA.


Role Specific Technical Competencies
Experience in Java Microservices architecture and development.


Knowledge of Retail Payments (Domestic & Cross Border Payment) with digital channels interface, encryption, and ISO20022 messaging standards.


Familiarity with Digital Wallets (e.g., Google Pay, Samsung Pay, Apple Pay) and QR Code Payments.


Experience with Payment Gateways and Online Transaction Processing.


Familiarity with PCI DSS and PA DSS compliance requirements.


Experience with API integration for various payment methods (e.g. bank transfers, mobile payments).


Experience with Omni-channel payment solutions and seamless customer experience across channels.


Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development).


Excellent in preparing the Solution Architecture document, functional and technical specifications.


Excellent problem-solving, team, and time management skills.


Experience in programming languages and other emerging technologies.


Experience in Cloud Services.


Familiarity with Regulatory and Compliance requirements in digital payments.


About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact.

For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other.

We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before.

If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.

You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.


Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours.

When you work with us, you'll see how we value difference and advocate inclusion.


Together we:
Do the right thing
and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
Never settle , continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
Are better together , we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
In line with our Fair Pay Charter,
we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.


Core bank funding for retirement savings, medical and life insurance,
with flexible and voluntary benefits available in some locations.


Time-off
including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.


Flexible working
options based around home and office locations, with flexible working patterns.


Proactive wellbeing support
through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
A continuous learning culture
to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.


Being part of an inclusive and values driven organisation , one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.


Recruitment Assessments
Some of our roles use assessments to help us understand how suitable you are for the role you've applied to.

If you are invited to take an assessment, this is great news.

It means your application has progressed to an important stage of our recruitment process.


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