Industry/Sector
Banking and Capital Markets
Specialism
Advisory - Other
Management Level
Manager
Job Description & Summary
At PwC, our people in business application consulting specialise in consulting services for a variety of business applications, helping clients optimise operational efficiency. These individuals analyse client needs, implement software solutions, and provide training and support for seamless integration and utilisation of business applications, enabling clients to achieve their strategic objectives.
As a business application consulting generalist at PwC, you will provide consulting services for a wide range of business applications. You will leverage a broad understanding of various software solutions to assist clients in optimising operational efficiency through analysis, implementation, training, and support.
About PwC
Join PwC AC India and play a vital role in supporting our Advisory, Assurance, Tax and Business Services teams. Gain professional growth and immersive learning opportunities as you deliver value through virtual client engagement worldwide. Shape your future as a member of our diverse global talent network.
Role overview- Sector Operations (Banking & Payments)
Designation:
Technical Architect
Location:
- Bangalore, Hyderabad, Kolkata
- As a Technical Architect, you will be responsible for designing scalable, secure, and high-performing technology solutions in the banking and payments domain. You will work closely with business stakeholders, functional consultants, and engineering teams to translate complex business requirements into robust technical architectures.
- What does this role entail?
- You will play a critical role in architecting and delivering end-to-end payment solutions aligned with ISO 20022 standards and global payment schemes. The role requires deep expertise in system integration, API design, cloud architecture, and payment processing frameworks.
- You will collaborate with cross-functional teams across geographies to design solutions supporting multi-bank, multi-scheme, and multi-currency environments.
- Core responsibilities as a Technical Architect would entail (but not limited to)
- As a technical architect, you’ll work as part of a team of problem solvers with extensive consulting and industry experience, helping our clients solve their complex business issues from strategy to execution.
Knowledge Preferred:
- Strong understanding of ISO 20022-based payment architectures and end-to-end transaction flows, with experience in API-led, microservices, and event-driven architectures. Proficient in cloud-native platforms (AWS/Azure), integration frameworks (Kafka, MQ, ESB), and designing for scalability, resilience, and high availability. Familiarity with payment hubs (e.g., FIS OPF), security protocols (OAuth2, JWT), and DevOps/CI-CD practices.
- Must-have skills
- Core Consulting Skills
- Banking Skills
- Strong business–technology alignment, with the ability to translate business capabilities into target architecture and solution architecture blueprints
- Ability to articulate complex architecture constructs (microservices, distributed systems, integration patterns) to business and technical stakeholders
- Expertise in driving architecture governance, design reviews, and ensuring adherence to enterprise architecture standards
- Analyze system landscapes, legacy architectures, and technical constraints to design scalable, resilient, and cloud-native solutions
- Demonstrate technical leadership, ownership, and accountability while mentoring teams and enforcing engineering best practices
- Strong analytical and decomposition skills to break down monolithic systems into modular, loosely coupled services
- Proficient in creating architecture artifacts such as HLDs, LLDs, sequence diagrams, data flow diagrams, and integration mappings
- Apply design principles (SOLID, DRY, domain-driven design) and architecture patterns (event-driven, API-led, microservices)
- Strategic mindset with the ability to evaluate technology stacks, platform capabilities, and build vs buy decisions
- Strong focus on non-functional requirements (NFRs) including scalability, performance, security, availability, and observability
- Experience in stakeholder management and leading architecture discussions, solutioning workshops, and technical roadmaps
- Support pre-sales and solutioning through effort estimation, architecture proposals, and RFP responses
- Ability to work in Agile/DevOps environments, collaborating across cross-functional squads and driving CI/CD and automation practices
- Proficiency in architecture and modeling tools (Visio, Draw.io, ArchiMate, UML) and documentation platforms
- Strong understanding of ISO 20022 message standards (pain, pacs, camt, admi) and end-to-end payment flows across clearing and settlement systems
- Experience in designing solutions for payment schemes such as SEPA, SCT Inst, UK Faster Payments, and cross-border (SWIFT)
- Expertise in multi-scheme, multi-bank, and multi-currency architectures, including routing, orchestration, and settlement mechanisms
- Knowledge of payment lifecycle management, including status tracking, acknowledgements (ACK/NACK), returns, recalls, and exception handling flows
- Experience with payment hubs/frameworks (preferably FIS OPF) and their integration with core banking and downstream systems
- Ability to design scalable payment processing systems handling high-volume, low-latency transactions
- Understanding of reconciliation, liquidity management, and reporting processes within payment ecosystems
- Familiarity with regulatory and compliance requirements (PSD2, AML, KYC) impacting payment system design
- Experience collaborating with business analysts, product owners, and engineering teams to translate functional requirements into technical solutions
- Strong understanding of integration patterns for banking systems, including API integrations, middleware, and message-based communication
- Technical Skills
- Strong experience in banking/payments architecture
- Deep knowledge of ISO 20022 message formats and payment flows
- Experience with payment hubs / frameworks (FIS OPF preferred)
Expertise in:
- Microservices architecture
- API design and integration
- Event-driven systems (Kafka, MQ)
- Cloud platforms (AWS/Azure/GCP)
Strong understanding of:
- High-volume transaction systems
- Distributed systems design
- Security and compliance frameworks
- Banking Domain Skills
Understanding of:
- SEPA / SCT Inst / UK Faster Payments / Cross-border payments
- Clearing & settlement mechanisms
- Payment lifecycle (initiation → processing → settlement → reporting)
Familiarity with:
- Exception handling flows (returns, recalls, claims)
- Multi-bank and multi-currency setups
- Consulting & Leadership Skills
- Strong problem-solving and analytical thinking
- Excellent communication and stakeholder management skills
- Ability to translate business requirements into technical architecture
- Experience leading distributed teams and large-scale implementations
- Strong documentation and presentation skills
- Good to Have
- Experience with enterprise architecture frameworks (TOGAF)
- Exposure to DevOps, CI/CD pipelines
- Knowledge of data architecture and real-time analytics
- Prior consulting experience in Big4 or similar firms
- Tools & Technologies
API tools:
Swagger, Postman
Architecture tools:
Visio, Draw.io
Dev tools:
Git, Jenkins, Docker, Kubernetes
Requirements tools:
- Jira, Confluence
- Your opportunities at PwC
Learn:
Develop business acumen, technical, and technology skills
Apply:
Diverse opportunities to showcase your skills in a supportive environment
Grow:
- Harness your leadership potential to expand your career
Eligibility Criteria
Minimum years of experience:
- 8 to 15 years
- Authorized to work in India
- Offer letter is subject to successful verification of documents and meeting the eligibility criteria
Travel Requirements
Not Specified
Job Posting End Date