Consultant Lead Design and evolve complex payment product architectures for an international technology organization applying extensive experience in payments platforms to deliver secure scalable and compliant solutions that support strategic business growth. Collaborate with cross functional teams in a hybrid work model to optimize product performance and create measurable value for clients and end users. In Madrid.

Experience : 10 - 13 years Domain Skills:Cards & Payments Technology : Custom Service 7.

Shift : Day 8.

Responsibilities Drive end to end payment product architecture definition that aligns with enterprise standards regulatory expectations and performance objectives for general payment solutions

Design scalable and secure solution blueprints for payments processing that address authorization clearing settlement and exception handling with high reliability

Guide product teams on how to decompose payment product requirements into modular services that can be developed tested and deployed independently

Collaborate with business stakeholders to translate complex payments product needs into clear architectural decisions and technology roadmaps that support future enhancements

Review solution designs produced by engineering teams to ensure strict adherence to defined payments architecture patterns coding practices and integration standards

Evaluate new technologies frameworks and third party payment services to determine architectural fit and long term value for the organization and its clients

Work closely with security compliance and risk teams to embed strong controls for fraud prevention data protection and regulatory reporting in all payment product designs

Partner with infrastructure and operations teams in a hybrid work environment to optimize system performance capacity planning and observability for payment transaction flows -Create and maintain comprehensive architecture documentation including context diagrams data flow diagrams and interface contracts for payments components





Provide expert guidance during production incidents related to payment products by analyzing architectural dependencies and recommending sustainable remediation actions

Mentor senior engineers on payments domain patterns including message formats routing rules clearing cycles and exception workflows to raise overall capability of the team -Engage with client facing teams to explain architectural decisions in accessible terms that demonstrate reliability scalability and business value of the payments platform -Align solution design with sustainable engineering practices so that payment products minimize operational overhead and support efficient change management over time

Qualifications -Exhibit deep hands on experience in payments product architecture including transaction routing authorization risk checks and settlement across diverse channels

Apply strong understanding of cards and payments domain concepts such as issuer acquirer switch schemes wallets and tokenization to design effective product capabilities

Demonstrate proven experience of ten to thirteen years in architecting complex enterprise grade solutions ideally centered on large scale payment systems

Utilize solid knowledge of integration patterns for payment gateways apis message queues and batch processing to enable reliable connectivity with internal and external partners

Show proficiency in working with relational and non relational data stores for transaction data reconciliation data lineage and analytics focused on payment products

Operate comfortably in a hybrid work model collaborating across locations time zones and functions using modern collaboration tools and structured communication practices

Apply strong communication and documentation skills to clearly articulate architectural options risks trade offs and recommendations to technical and non technical audiences

Display familiarity with modern engineering practices including api first design microservice oriented architectures automated testing and continuous delivery within payment ecosystems

📌 Consultant Lead (M) (Navalcarnero)
🏢 Cognizant
📍 Navalcarnero