Job Overview

Principal Engineer – Real-Time Payments & Settlement Systems (Saudi Arabia)

Role Category: Advanced Engineering Leadership

Work Structure: Fully Remote

Focus Region: Saudi Arabia with GCC-wide payment infrastructure integration

Role Blueprint (Engineering-Centric Format)

This role is designed for a highly specialized engineer responsible for building and optimizing real-time payment and settlement systems. The focus is on ultra-low latency processing, system reliability, and financial transaction integrity.

Engineering Domains of Ownership

A. Real-Time Payment Architecture

• Design high-throughput systems capable of processing transactions in real time.

• Implement event-driven architectures for instant payment processing.

• Optimize transaction routing and settlement mechanisms.

B. Settlement & Clearing Systems

• Build systems for automated clearing and settlement across financial institutions.

• Enable multi-currency and cross-border transaction capabilities.

• Ensure accuracy and reconciliation of financial transactions at scale.

C. Performance Engineering

• Optimize systems for low latency, high availability, and scalability.

• Conduct stress testing and performance benchmarking.

• Implement monitoring tools for real-time system diagnostics.

D. Security & Reliability

• Design secure transaction pipelines with encryption and fraud prevention mechanisms.

• Ensure compliance with financial security standards.

• Build fault-tolerant systems with redundancy and disaster recovery capabilities.

Technical Requirements

• 10–15 years in backend engineering, fintech infrastructure, or payment systems.

• Expertise in distributed systems, event-driven architecture, and high-performance computing.

• Strong knowledge of payment protocols and financial transaction flows.

• Proficiency in modern programming languages (Java, Go, or similar).

Performance Metrics

• Transaction processing speed and latency

• System uptime and reliability

• Error rates and reconciliation accuracy

• Scalability under peak transaction loads

Evaluation Process

• System design challenge (real-time payments)

• Performance optimization case study

• Technical architecture deep dive

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