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Principal Architect – Payments, Ledger
YouTrip. Own the architectural direction for end-to-end money movement across multi-currency wallets and balances, the core ledger, card issuing and authorisation, in-app FX, overseas transfers and payouts, treasury and pre-funding, settlement and reconciliation, and shared platform services .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in payments architecture, including end-to-end money movement, multi-currency ledger design, and card issuing processes. Proven ability to establish engineering standards, mentor teams, and navigate regulatory environments across multiple jurisdictions.
Highest-signal resume keywords
Payments And Ledger ExperienceCard Scheme IntegrationsDistributed Settlement FlowsProduction Coding ExperienceRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Ledger DesignJournal DesignAuthorisation FlowsClearing FilesDispute ManagementBalance ConsistencyCorrection StrategiesPayment LicensingData ResidencyTechnology Risk Management
Soft Skills
Strong Writing SkillsTechnical Opinion DefenseCredibility With Partners
Tools & Technologies
GolangEvent-Driven ArchitecturesCloud-Native Infrastructure
Industry Keywords
Multi-Currency WalletsFX Rate SourcingAML ScreeningKYCAsia Pacific Regulators
Tech Stack
Tools & technologiesCloudGo
About the role
Key responsibilities & impact- Own the architectural direction for end-to-end money movement across multi-currency wallets and balances, the core ledger, card issuing and authorisation, in-app FX, overseas transfers and payouts, treasury and pre-funding, settlement and reconciliation, and shared platform services
- Define double-entry ledger design, chart of accounts, sub-ledger boundaries, immutability and correction rules, multi-currency representation, precision and rounding policies, and balance derivation or storage
- Define handling of authorisation holds, reversals, partial and incremental captures, refunds, FX revaluation and unreconciled positions
- Design idempotency, exactly-once outcomes over at-least-once messaging, transaction state machines, and failure, retry, timeout and compensation paths
- Architect card issuing, authorisation, clearing and settlement as a Mastercard Principal Member, including stand-in processing, expiry, disputes, chargebacks and mobile-wallet tokenisation
- Design FX rate sourcing, quoting, rate locking, spread and exposure management, currency exchange, pre-funding and liquidity models
- Design cross-border transfer corridors, payout rail integrations, pre-funding and nostro models, and embedded sanctions and AML screening
- Design reconciliation and settlement systems across time zones, currencies and partners
- Set measurable latency, throughput, availability and cost targets, and define consistency, recovery, replay and backfill approaches
- Establish engineering and coding standards, conduct architecture reviews, and maintain architecture decision records and documentation
- Evaluate and oversee card processors, scheme connectivity, banking and settlement partners, FX liquidity providers, payout partners, KYC and screening vendors, and infrastructure providers
- Mentor tech leads and senior engineers and eventually build and lead a small architecture group
Requirements
What you’ll need- Deep payments and ledger experience (essential), including designing or substantially rebuilding a production financial ledger
- Real-world experience with journal design, posting models, balance consistency and correction strategies
- Hands-on experience with card scheme integrations, ideally Mastercard
- Experience with issuer processing, authorisation flows, clearing files, and disputes
- Production coding experience at scale
- Experience designing distributed settlement flows and field-level amount types and precision
- Experience with safeguarding and customer fund segregation
- Experience with payment and e-money licensing, data residency, auditability and technology risk requirements
- Experience with MAS and other Asia Pacific regulators is ideally included
- Experience operating across several countries, currencies and regulators
- Strong writing and documentation skills
- Ability to defend technical opinions on design patterns, standards and trade-offs
- Credibility with partners and ability to evaluate vendor recommendations with evidence
- Experience with Golang, event-driven architectures and cloud-native infrastructure is a plus
Benefits
Comp & perks- The chance to shape the core money platform of Asia Pacific’s leading multi-currency wallet, used by millions of people and businesses
- Some of the most interesting payments challenges in the region, across multiple markets, currencies, partners and regulators
- A company that is committed to getting the architecture right, not just shipping fast
- A culture that values technical craft, direct feedback and getting things done