Principal Architect – Payments & Ledger

YouTrip

. Own the end-to-end architectural direction for 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 .

Posted 9/29/2026full-timeBengaluru • IndiaLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in payments architecture, including multi-currency ledger design, card issuing, and reconciliation systems. Proven ability to mentor teams and establish engineering standards while ensuring compliance with regulatory requirements across various jurisdictions.

Highest-signal resume keywords

Payments And Ledger ExperienceCard Scheme IntegrationsDistributed Settlement FlowsGolang ProgrammingRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Ledger DesignJournal DesignAuthorisation FlowsClearing FilesDisputes ManagementTransaction State MachinesIdempotency DesignFX Rate SourcingBalance ConsistencyCustomer Fund Segregation

Soft Skills

Strong Writing SkillsCredibility With PartnersAbility To Defend Design Opinions

Tools & Technologies

Cloud-Native InfrastructureEvent-Driven ArchitecturesMastercard Integration

Industry Keywords

Payment LicensingE-Money LicensingData ResidencyAuditabilityTechnology RiskMAS RegulationsAsia Pacific Regulators

Tech Stack

Tools & technologies

CloudGo

About the role

Key responsibilities & impact

Own the end-to-end architectural direction for 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
Design handling for 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 as a Mastercard Principal Member, including real-time authorisation, stand-in processing, authorisation expiry, disputes, chargebacks, tokenisation and card lifecycles
Design FX rate sourcing, quoting, rate locking, spread and exposure management, currency exchange, pre-funding and liquidity models
Architect cross-border transfer corridors, payout rail integrations, nostro design, and embedded sanctions and AML screening
Design reconciliation and settlement systems across multiple time zones, currencies and partners
Set quantified latency, throughput, availability and cost targets, and define consistency, recovery, replay and backfill requirements
Establish engineering and coding standards, conduct architecture reviews, and maintain architecture decision records and documentation
Technically evaluate and oversee card processors, scheme connectivity, banking and settlement partners, FX liquidity providers, payout partners, KYC and screening vendors, and infrastructure
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, disputes and chargebacks
Production coding experience at scale with systems handling real traffic and real money
Experience designing distributed settlement flows and field-level amount type 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 ideally
Experience building systems across several countries, currencies and regulators
Strong writing and documentation skills
Ability to defend opinions on design patterns, standards and trade-offs
Credibility with partners and ability to evaluate vendor recommendations
Experience with Golang, event-driven architectures and cloud-native infrastructure is a plus

Benefits

Comp & perks

Opportunity to shape the core money platform of Asia Pacific’s leading multi-currency wallet, used by millions of people and businesses
Exposure to complex payments challenges across multiple markets, currencies, partners and regulators
Culture that values technical craft, direct feedback and getting things done