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