Job Overview
Principal Architect – Digital Wallets & Payment Orchestration
Primary Market: Kingdom of Saudi Arabia 🇸🇦
Engagement Model: Build–Operate–Scale Mandate
Objective
Design and scale a national-grade digital wallet ecosystem integrating:
- Payments
- Identity verification
- Stored value systems
- Government and private sector services
Scope of Ownership
You will be accountable for end-to-end architecture, deployment, and scaling.
System Components
1. Digital Wallet Core
- Secure wallet infrastructure supporting:
- Peer-to-peer transfers
- Merchant payments
- Stored value accounts
2. Identity & Authentication Layer
- Integration with digital identity systems
- Biometric and multi-factor authentication
- Secure onboarding (KYC-compliant)
3. Payment Orchestration Engine
- Routing transactions across:
- Domestic payment rails
- Cross-border networks
- Intelligent routing based on cost and speed
4. Ecosystem Integration
- APIs for:
- Merchants
- Government services
- Fintech partners
Delivery Milestones
| Phase | Timeline | Outcome |
|---|---|---|
| Foundation | 0–6 months | Core wallet + onboarding live |
| Expansion | 6–15 months | Payments + merchant ecosystem |
| Scale | 15–30 months | Millions of active users |
Operational Benchmarks
- System uptime ≥ 99.99%
- Transaction success rate ≥ 99.9%
- Onboarding time < 2 minutes
Regulatory Requirements
- Compliance with Saudi Central Bank (SAMA) frameworks
- Strict adherence to KYC, AML, and data protection laws
- Alignment with national digital identity initiatives
Candidate Profile
- 12–18 years in payments, wallets, or digital identity systems
- Experience building large-scale consumer fintech platforms
- Strong background in secure system architecture
Compensation
- $300,000 – $600,000 annually
- Milestone-based incentives tied to user growth and transaction volume
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