Job Overview
Lead Architect – Instant Payments, Real-Time Settlement & Liquidity Optimization Systems
📍 Location: Remote (Market Alignment: 🇸🇦 Saudi Arabia)
🕒 Engagement: Full-Time | Principal Architecture Track
💼 Domain: Instant Payments | Liquidity Systems | Financial Infrastructure
🧱 ARCHITECTURAL OBJECTIVE
To design and implement real-time payment and settlement infrastructures, enabling instant fund transfers, dynamic liquidity management, and continuous financial operations across high-scale environments 😊
🧩 SYSTEM COMPONENTS
1. Payment Initiation Layer
- Handles user and system-generated payment requests
- Supports multiple channels (mobile, API, enterprise systems)
2. Real-Time Processing Engine
- Executes transaction validation, routing, and authorization
- Ensures sub-second processing across distributed systems
3. Settlement & Clearing Systems
- Enables instant or near-instant settlement mechanisms
- Integrates with central bank and financial institution systems
4. Liquidity Optimization Layer
- Manages real-time liquidity across accounts and institutions
- Implements AI-driven liquidity forecasting and allocation 😊
⚙️ CORE RESPONSIBILITIES
- Architect instant payment infrastructures with high throughput and low latency
- Design liquidity optimization algorithms for efficient capital utilization
- Implement resilient, fault-tolerant systems ensuring continuous availability
- Integrate multi-rail payment systems (RTGS, instant payments, digital wallets)
- Ensure compliance with Saudi financial regulations and payment standards
🛠️ TECHNICAL STACK
- Backend: Java, Go, Kotlin
- Streaming: Kafka, real-time data pipelines
- Infrastructure: Kubernetes, cloud-native platforms
- Databases: Distributed, high-performance systems
🎯 CANDIDATE REQUIREMENTS
- 10–18 years in payment systems, fintech infrastructure, or financial engineering
- Expertise in real-time payment systems and liquidity management
- Strong understanding of financial networks and transaction processing systems
- Experience in high-scale, mission-critical environments
📈 SUCCESS METRICS
- Transaction latency and throughput
- Liquidity efficiency improvements
- System uptime and resilience 😊
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