Engineering Lead (Payment Domain)

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Job Title: Engineering Lead - Cross Border and Domestic Retail Payments

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.

Responsibilities

1. Design robust API-driven microservices solutions for retail payments, ensuring scalability, security, and compliance.
2. Define end-to-end solution architecture for payment applications, ensuring alignment with business and regulatory requirements.
3. Collaborate with stakeholders to translate business requirements into scalable and maintainable technology solutions.
4. Ensure seamless integration of payment systems with other banking platforms and third-party services.
5. Conduct performance optimization and implement best practices to enhance reliability and scalability.

Governance, Security and Compliance

1. Identify and implement security controls by collaborating with Security teams.
2. Ensure adherence to regulatory compliance, risk mitigation and governance policies.
3. Conduct security impact assessments to mitigate potential risks throughout the delivery lifecycle.
4. Ensure adherence to enterprise technology standards and best practices in payment system design and implementation.

Collaboration and Alignment

1. Work closely with Product Owners, Security and Chapters to define and implement solutions.
2. Provide technical leadership and mentorship to development teams, ensuring high-quality software delivery.
3. Collaborate with cross-functional teams for successful implementation and deployment of payment solutions.
4. Actively participate in solution reviews and architectural governance forums.
5. Stay updated on emerging technologies in the payment space.
6. Foster a culture of innovation by driving modernization initiatives and continuous improvement strategies.
7. Align technical solutions with the organization’s long-term technology vision and business goals.
8. Leverage automation CI/CD and Sec DevOps practices to improve software development efficiency.

Regulatory & Business Conduct

1. Display exemplary conduct and live by the Group’s Values and Code of Conduct.
2. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
3. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Qualification

1. Education: B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT area; 8 to 16 years of experience.

Role Specific Technical Competencies

1. Knowledge of ATM/POS switching, Debit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards.
2. Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements.
3. Experience with EFT transaction switching and processing.
4. Familiarity with PCI DSS and PA DSS compliance requirements.
5. Experience with Switch integration with VISA/Mastercard is mandatory, along with others such as UPI, JCB and National switches.
6. Experience with Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be an added advantage.
7. Experience in Web Service integration and APIs.
8. Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development).
9. Excellent in preparing the Solution Architecture document, Functional and technical specifications.
10. Excellent problem-solving, team, and time management skills.
11. Experience in Programming Languages and other emerging technologies.
12. Experience in Cloud Services.

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.

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.

1. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
2. 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.
3. Flexible working options based around home and office locations, with flexible working patterns.
4. 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.
5. A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
6. 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.