Lead Architect - Payment

Xebia is a global AI-first, digital transformation, and engineering partner. With over 25 years of experience and a team of 5,000 professionals across 16 countries, we help organizations design and build scalable products, platforms, and data-driven solutions.

We specialize in Artificial Intelligence, Data and Cloud, Intelligent Automation, and Digital Products, combining deep technical expertise with a strong focus on engineering excellence and a people-first culture.

In the CEE region, we’re a team of nearly 1,000 experts delivering modern applications, data platforms, and AI solutions for clients such as McLaren, Aviva, Deloitte, Spotify, Disney, ING, UPS, Tesco, Truecaller, AllSaints, Volotea, Schmitz Cargobull, Allegro, InPost, and many, many more. We work with leading technologies including AWS, Azure, GCP, Databricks, and Snowflake, and combine strong engineering culture with a consulting mindset and a continuous focus on growth and knowledge sharing.

You will be:

• leading the architecture and strategic evolution of enterprise payment solutions,
• designing secure, scalable, and resilient payment architectures supporting multiple payment methods, including cards, digital wallets, and cryptocurrencies,
• defining end-to-end payment processing flows, ensuring high performance, reliability, and seamless customer experiences,
• collaborating with product, engineering, finance, and business teams to integrate payment capabilities into customer journeys and enterprise platforms,
• designing secure payment solutions with a strong focus on encryption, tokenization, fraud prevention, and regulatory compliance,
• overseeing the architecture and integration of payment gateways and payment service providers (PSPs),
• defining architecture standards for high-volume transaction processing, distributed systems, and event-driven solutions,
• identifying opportunities to optimize payment performance, resilience, routing, and operational efficiency,
• driving innovation by evaluating emerging payment technologies, industry trends, and best practices,
• mentoring technical teams and providing architectural leadership across payment initiatives.

Your profile:

• proven experience as a Lead, Enterprise, or Solution Architect delivering large-scale payment platforms,
• strong experience designing end-to-end payment systems and transaction processing architectures,
• hands-on experience with multiple payment methods, including payment cards, digital wallets, and cryptocurrencies,
• deep understanding of payment gateways, PSP integrations, and payment processing lifecycle (authorization, capture, clearing, and settlement),
• strong knowledge of the payment ecosystem, including acquirers, issuers, and card schemes such as Visa and Mastercard,
• experience designing secure payment platforms with encryption, tokenization, fraud detection, and risk mitigation capabilities,
• solid understanding of PCI-DSS, PSD2, and Strong Customer Authentication (SCA) requirements,
• experience designing distributed, highly available, fault-tolerant systems with strong knowledge of idempotency, reconciliation, and retry patterns,
• hands-on experience with event-driven architecture and streaming platforms such as Kafka,
• experience designing systems capable of handling high transaction volumes and low-latency processing,
• strong communication and stakeholder management skills, with the ability to collaborate across product, engineering, finance, and business teams,
• fluent English and French language skills (written and spoken).

Hybrid work from Paris is required.

Nice to have:

• experience with payment orchestration platforms and multi-PSP routing,
• knowledge of reconciliation processes, accounting flows, and financial operations,
• experience designing cloud-native payment architectures on AWS, Azure, or GCP,
• experience designing RESTful and event-driven APIs,
• knowledge of observability practices, including distributed tracing and transaction monitoring,
• experience with digital wallets such as Apple Pay and Google Pay,
• experience optimizing payment performance, routing, and authorization rates,
• experience working within enterprise architecture governance models and cross-functional environments,
• knowledge of data-driven payment optimization, including decline analysis and intelligent routing,
• experience with crypto payments, blockchain technologies, alternative payment methods (APMs), or Buy Now, Pay Later (BNPL) solutions,
• familiarity with real-time payment schemes such as SEPA Instant and Faster Payments, cross-border payments, and foreign exchange,
• exposure to machine learning-based fraud detection, legacy payment platform modernization, API monetization strategies, and emerging payment technologies.

Recruitment Process:

CV review – HR call – Interview – Client Interview – Decision