Senior Product Engineer - Cards Platform

Role Overview

We are looking for a Senior Product Engineer to lead the design, delivery, and optimisation of cards platform capabilities across issuing and acquiring systems. This role goes beyond execution — you will drive product engineering decisions, own end-to-end delivery, and influence the evolution of payment solutions in a high-scale banking environment.

You will work closely with business, architecture, and technology teams to build resilient, scalable, and compliant card services, ensuring high availability and seamless customer experience.

Key Responsibilities

• End-to-End Ownership:
  Own delivery of cards platform initiatives from requirement analysis to production rollout and post-release stability.
• Product Engineering Leadership:
  Translate business requirements into scalable technical solutions across cards issuing, acquiring, and payment processing systems.
• Architecture & Design:
  Contribute to system design, integration architecture, and modernisation of cards platforms (APIs, microservices, event-driven systems).
• Domain Expertise (Cards):
  Work on key areas including:
• Card issuing & lifecycle management
• Authorisation & transaction processing
• Tokenisation & digital wallets
• Scheme integrations (Visa / Mastercard)
• Clearing & settlement
• Stakeholder Management:
  Act as a bridge between business, vendors, and internal tech teams to ensure alignment and delivery excellence.
• Agile Delivery:
  Lead and contribute within Agile squads, ensuring timely delivery, sprint planning, backlog grooming, and prioritisation.
• Production Stability & Incident Management:
  Own L2/L3 support, incident resolution, RCA, and continuous improvement of platform reliability.
• Quality & Testing Oversight:
  Ensure strong test coverage (functional, integration, UAT) and support automation initiatives.
• Vendor & Integration Management:
  Work with third-party vendors and payment processors to deliver seamless integrations.

Required Skills & Experience

• 7+ years of experience in Cards & Payments domain within banking or financial services
• Strong understanding of:
• Cards issuing & acquiring platforms
• Payment flows, authorisation, clearing, settlement
• ISO 8583 messaging (must-have)
• Experience with card management systems (e.g., PowerCARD, VisionPLUS, Prime, or similar)
• Solid understanding of APIs, microservices, and system integrations
• Experience working in Agile environments

Preferred Skills

• Exposure to tokenisation, digital wallets (Apple Pay, Google Pay)
• Knowledge of PCI-DSS compliance and security standards
• Experience in high-volume, mission-critical systems