JOB SUMMARY

Product Specialist - Retail Payments with a strong background in API development and microservices architecture along with deep expertise in retail banking project delivery. 
The ideal candidate will drive the delivery for all the initiative assigned to the squad and lead the squad, delivery ensuring compliance with security and governance standards with fostering innovation and efficiency in digital payment solutions.
Key Responsibilities:
Solution Architecture & Engineering Excellence:
Design robust API-driven microservices solutions for retail cross border and domestic payments, ensuring scalability, security, and compliance.
Define end-to-end solution architecture for payment applications, ensuring alignment with business and regulatory requirements.
Collaborate with stakeholders to translate business requirements into scalable and maintainable technology solutions.
Ensure seamless integration of payment systems with other banking platforms and third-party services.
Conduct performance optimization and implement best practices to enhance reliability and scalability.
Hand on experience with VISA, MasterCard Card, Remittance and other national domestic Payments requirement. 
Governance, Security and Compliance:
Identify and implement security controls by collaborating with Security teams.
Ensure adherence to regulatory compliance, risk mitigation and governance policies.
Conduct Security impact assessments to mitigate potential risks throughout the delivery lifecycle.
Ensure adherence to enterprise technology standards and best practices in payment system design and implementation.

Responsible for all the backlogs delivery in the squad, circulate the DSR/WSR to stakeholders and raise a risk for any missing timeline or blockers 
Will be responsible for developing solutions, stake holder management, vendor and financial management, developing project costs, and delivering the developed solutions.
Ability to Identifying and managing risks, including developing contingency plans to mitigate potential issues
Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
Excellent verbal and written communication skills to technical and non-technical audiences of various levels in the organization
Willingly shares relevant technical and/or industry knowledge and expertise to other resources
Excellent problem-solving, team, and time management skills.
Resourceful and proactive in gathering information and sharing ideas.
Experience in banking or financial services industry.

Collaboration and Alignment:
Work Closely with Engineering Lead, Squads and Chapters to define and implement Solutions.
Provide technical leadership and mentorship to development teams, ensuring high-quality software delivery.
Collaborate with cross-functional teams for successful implementation and deployment of payment solutions.
Actively participate in Solution reviews and architectural governance forums.
Innovation & Continuous Improvement:
Stay updated on emerging technologies in payment space.
Foster a culture of innovation by driving modernization initiatives and continuous improvement strategies.
Align technical solutions with the organization long-term technology vision and business goals.
Leverage automation CI/CD and Sec Devops practices to improve software development efficiency.

Regulatory & Business Conduct

Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Qualification
Education     B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 8 to 12 Years

Role Specific Technical Competencies
Knowledge of ATM/POS switching, Debit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards

Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
Experience with an EFT transaction switching and processing.

Familiarity on PCI DSS and PA DSS compliance requirements
Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
Experience on Google Pay/Samsung Pay/Apple Pay Wallets and QR Code and Emerging payments will be a added Advantage
Experience in Web Service integration and API’s
Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)

Excellent in preparing the Solution Architecture document, Functional and technical spec

Excellent problem-solving, team, and time management skills.
Experience in Programming Languages and other emerging technologies
Experience in Cloud Services

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.