Architect

• 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

Principal Architect – Payments, Ledger

• Support Deal Architects in developing, reviewing, and executing customer deals across APAC
• Assist with analysis of deal structures, pricing, discounts, contract terms, and commercial scenarios
• Prepare deal analysis, financial models, presentations, business cases, and supporting materials for internal approvals
• Coordinate with Finance, Legal, Sales Operations, and other stakeholders to progress deals and customer agreements
• Maintain accurate deal documentation
• Identify opportunities to improve deal processes, tools, templates, and operational efficiency
• Conduct research and analysis on market, customer, pricing, and commercial trends relevant to APAC
• Support ad-hoc projects related to deal strategy, sales operations, and commercial transformation
• Gain exposure to enterprise software and technology sales, deal structuring, pricing and financial analysis, contract processes, revenue operations, and business case development

Architect jobs in Singapore

Principal Architect – Payments, Ledger

Deal Architect Intern