We’re Hiring: Principal Engineer (Fintech / Payments Architecture)
Location: Remote (Eastern European time zone preferred)
Type: Contract / Full-Time
Experience Level: Principal / Architect
English Level: Strong Spoken English Required
About the Role
Osambit is looking for an experienced Principal Engineer with a strong background in fintech, payments, and banking systems to help architect and guide the development of a next-generation financial platform.
You will be responsible for defining technical architecture, establishing engineering standards, evaluating technology choices, and supporting multiple engineering teams throughout delivery. The role requires deep expertise in financial systems, payment processing, integrations, and large-scale distributed architectures.
You will work closely with Product Owners, Business Analysts, Tech Leads, and stakeholders to ensure the platform is scalable, secure, compliant, and capable of supporting future business growth.
What You’ll Do
- Define and evolve platform architecture across fintech and payment domains
- Design scalable, resilient, and secure financial systems
- Lead architecture reviews and technical decision-making processes
- Guide engineering teams through complex implementation challenges
- Drive system design for payment processing, transaction lifecycle management, reconciliation, and settlement workflows
- Collaborate with stakeholders to translate business goals into technical solutions
- Ensure architectural consistency across APIs, services, integrations, and data models
Requirements
- 10+ years of software engineering experience
- 3+ years in Principal Engineer, Architect, or equivalent technical leadership roles
- Strong hands-on experience with Java and enterprise backend systems
- 3+ years of fintech, banking, payments, card processing, or neobank experience
- Deep understanding of:
- Distributed systems
- Event-driven architectures
- Microservices and modular architectures
- API design and integration patterns
- High-availability and fault-tolerant systems
- Security and compliance considerations in financial systems
- Strong understanding of software architecture styles, design patterns, and engineering principles
- Proven experience defining architecture and technical strategy for complex multi-team initiatives
- Strong spoken and written English communication skills
Domain Experience Required
Experience designing or architecting one or more of the following:
- Payment processing platforms
- Card issuing platforms
- Card acquiring platforms
- Neobank or digital banking systems
- Transaction routing and authorization systems
- Settlement and reconciliation systems
- Ledger and account management platforms
- Financial integrations with banks, payment providers, card processors, or fintech vendors
Nice to Have
- Experience with POS transaction processing ecosystems
- Experience with ATM transaction processing and switching
- Understanding of EMV specifications, card authorization flows, clearing, and settlement
- Experience with card networks (Visa, Mastercard, UnionPay, Discover, etc.)
- Experience with Kafka, RabbitMQ, or similar messaging technologies
- Experience with Kubernetes, Docker, and observability platforms
- Exposure to PCI-DSS and regulated financial environments
What We Offer
- Opportunity to shape the architecture of a large-scale fintech platform from the ground up
- High level of technical ownership and influence
- Collaboration with experienced engineering and product teams
- Remote-first work environment
- Long-term engagement and competitive compensation
