Payments Functional Architect

Overview

In this role you will define and evolve the functional architecture for payments APIs within a fast-paced fintech environment. You’ll align product needs with technical teams to ensure APIs meet both business goals and non-functional requirements. You’ll map data, enable smooth downstream processing, and drive a customer-centric API experience using low-code/no-code approaches to grow market share. You will collaborate closely with cross-functional partners, including the CTO and risk leads, on a greenfield project for systematic fund clients.

Pay / Benefits

• remote
• occasional office meetings
• relaxed open dress code
• calm and supportive environment

Responsibilities

• Define and maintain API invocation metadata
• Support product managers to secure buy-in for APIs with internal and external partners
• Ensure functional architecture aligns with non-functional API requirements
• Guide data mapping between sources for API consumption
• Standardize data provision in APIs for downstream/upstream processing
• Understand customer experience to identify gaps and generate API-driven improvements leveraging low-code/no-code platforms

Key requirements

• 2:1 Bachelor-level degree in Computer Science, Maths, Physics or Chemistry (UK/EURed Brick universities)
• Proven track record in building and maintaining APIs via a development team
• Experience in account-to-account payments; familiarity with cards/alternative payments advantageous
• Understanding of customer needs for account-to-account payments
• Experience with Financial Market Infrastructure (FMI) participants and regional schemes
• Knowledge of clearing/settlement schemes for payments
• Knowledge of API simplification and standardization across payment types
• Understanding of card or alternative payment types advantageous

• strong communication with cross-functional teams
• customer-focused mindset
• problem-solving and analytical thinking
• API design and governance
• data mapping and metadata management
• payments domain knowledge (A2A, cards, alternatives)

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