Payments Solutions Architect

We're looking for a Payments Solution Architect to join our growing team in London. This is a senior architectural leadership role focused on shaping and delivering enterprise-scale payment platforms across card processing, gateway services, settlement, reconciliation and financial management capabilities.

You will combine deep payments domain expertise with strong solution architecture skills, helping clients modernise and transform critical payment ecosystems built on Java/Kotlin, cloud-native and event-driven architectures.

This role suits someone who thrives in complex environments and operates confidently at the intersection of business strategy, payment operations and technical execution. You will engage across the full lifecycle, from discovery and architectural shaping through to delivery oversight, ensuring solutions are scalable, secure, commercially viable and aligned to long-term platform strategy.

The role supports payment transformation initiatives across one or more of the following value streams:

• Billing, Settlement & Reconciliation
• Payment Processing

What you'll be doing

• Design and review scalable, resilient payment architectures capable of supporting high transaction volumes and demanding availability requirements.
• Define and govern non-functional requirements including latency, throughput, availability, recoverability, observability and security.
• Shape API strategies, integration models and event-driven architectures that support extensibility, compliance and operational resilience.
• Define target architectures and integration patterns across payment ecosystems and enterprise platforms.
• Work closely with business stakeholders, product owners, operations teams and engineering teams to ensure architecture decisions support business objectives.
• Participate in architecture governance forums and represent Endava with clarity and authority.

Essential

• Proven experience as a Solution Architect, Lead Architect or Senior Technical Architect within large-scale enterprise environments.
• Strong payments domain knowledge within card payment ecosystems.
• Experience in one or more of the following payment value streams:
  • Billing, Settlement & Reconciliation
  • Payment Processing
• Experience designing solutions built on Java and/or Kotlin technology stacks.
• Strong understanding of microservices, distributed systems and event-driven architectures.
• Experience with messaging and streaming technologies such as Kafka.
• Experience designing and governing cloud-native solutions on AWS.
• Strong understanding of payment gateway architectures and payment integration patterns.
• Experience working within PCI DSS and regulated financial environments.
• Excellent stakeholder management, communication and presentation skills.
• Ability to engage effectively with both technical and non-technical audiences.

Preferred

Billing, Settlement & Reconciliation

• Settlement processing and financial reconciliation.
• Merchant funding and billing platforms.
• Financial controls, reporting and auditability.
• Exception management, chargebacks and dispute handling.

Processing

• Authorisation processing.
• Gateway architecture.
• Payment routing and switching.
• Scheme integrations.
• Tokenisation.
• 3-D Secure (3DS).
• Strong Customer Authentication (SCA).
• Fraud decisioning and risk services.
• High-volume transaction processing systems.

Additional Desirable Experience

• Experience within issuers, acquirers, payment processors, schemes or fintech organisations.
• Experience with Visa, Mastercard or other payment network integrations.
• Experience with container platforms such as ECS, EKS or Kubernetes.
• Experience supporting payment platform modernisation and transformation programmes.
• Experience with enterprise identity and access management solutions, SSO or identity federation.
• Familiarity with AI-driven optimisation, fraud modelling or AIOps capabilities.

Discover some of the global benefits that empower our people to become the best version of themselves:

• Finance: Competitive salary package, share plan, company performance bonuses, value-based recognition awards, referral bonus;   
• Career Development: Career coaching, global career opportunities, non-linear career paths, internal development programmes for management and technical leadership;
• Learning Opportunities: Complex projects, rotations, internal tech communities, training, certifications, coaching, online learning platforms subscriptions, pass-it-on sessions, workshops, conferences;
• Work-Life Balance: Hybrid work and flexible working hours, employee assistance programme;
• Health: Global internal wellbeing programme, access to wellbeing apps;
• Community: Global internal tech communities, hobby clubs and interest groups, inclusion and diversity programmes, events and celebrations.

At Endava, we’re committed to creating an open, inclusive, and respectful environment where everyone feels safe, valued, and empowered to be their best. We welcome applications from people of all backgrounds, experiences, and perspectives—because we know that inclusive teams help us deliver smarter, more innovative solutions for our customers. Hiring decisions are based on merit, skills, qualifications, and potential. If you need adjustments or support during the recruitment process, please let us know.