Product Architect

About the Position

Product Architect - Electronic Payments Support

We are seeking a Product Architect to design and evolve scalable payments product solutions for global enterprise clients. This hybrid role focuses on ensuring reliability, regulatory compliance, and seamless integration with cards and payments ecosystems while collaborating across functions to deliver secure, efficient, and customer-centric transaction experiences that support the company mission of enabling trusted digital commerce worldwide.

Responsibilities

• Design robust payments product architectures that enable secure and scalable transaction processing while aligning with enterprise standards and regulatory expectations in multiple operating regions.
• Define end-to-end solution blueprints for payments platforms that integrate seamlessly with existing systems and external partners, ensuring high availability, performance, and resilience.
• Collaborate with product managers and business stakeholders to translate complex cards and payments requirements into clear technical specifications and architecture components for implementation.
• Guide engineering teams by providing detailed architecture artifacts, patterns, and reference implementations that support modular development, efficient testing, and future extensibility.
• Evaluate current payments product capabilities and identify modernization opportunities that improve throughput, reduce latency, and enhance reliability for day mode hybrid operations.
• Conduct architecture reviews for new payments features to ensure security, data privacy, and compliance with industry regulations and network mandates while minimizing operational risk.
• Coordinate with infrastructure and cloud teams to optimize capacity planning, scalability strategies, and cost efficiency for payments workloads under varying transaction volumes.
• Assess integration designs with external cards issuers and payment service providers to ensure interoperability, consistent data flows, and low failure rates across the full transaction lifecycle.
• Develop and maintain architecture standards, guidelines, and reusable design assets that promote consistency across payments products and support long-term platform evolution.
• Analyze production incidents and performance trends in payments systems to propose architecture improvements that enhance stability and customer experience.
• Partner with quality assurance and operations teams to embed non-functional requirements such as resilience, observability, and recoverability into the architecture for all payments solutions.
• Prepare clear technical documentation and architecture narratives that enable diverse teams to understand solution intent and contribute effectively in a hybrid work environment.
• Mentor peers on advanced payments architecture concepts, guiding them in applying best practices for secure transaction flows and robust integration patterns.

Requirements

• Extensive experience in payments product architecture with a strong background in designing and implementing large-scale transaction processing platforms for enterprise clients.
• Deep understanding of cards and payments domain concepts, including authorization, clearing, settlement, dispute handling, and compliance frameworks in global markets.
• Strong proficiency in distributed systems design, data models, and integration patterns tailored for high-volume payments environments and digital channels.
• Practical knowledge of security principles, encryption methods, and fraud mitigation techniques specifically relevant to online and card-based payments products.
• Hands-on experience with hybrid work delivery models, collaborating effectively across onsite and remote teams in a structured day shift setting.
• Solid analytical and problem-solving skills to diagnose complex payments issues and recommend architecture solutions that improve customer trust and business outcomes.
• Familiarity with agile delivery practices and product-centric approaches, ensuring architecture decisions align with incremental delivery and continuous improvement in payments offerings.

We Offer

• Competitive compensation and benefits package.
• Opportunity to work in a dynamic and innovative environment.
• Collaborative and inclusive workplace culture.
• Professional development and career growth opportunities.

About the Company

Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process, and engineering expertise enable us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes, and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or follow us on Twitter.

Additional employment information

Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government-issued ID during each interview.

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status, or any other characteristic protected by federal, state, or local laws.

If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email [email protected] with your request and contact information.

Benefits that help you thrive and grow

Our benefits program is built with you in mind-so you can enjoy a fulfilling, balanced, and healthy life.

Financial wellbeing

We regularly review market data to ensure compensation reflects the value you bring. Your benefits extend beyond pay and may include retirement plans, financial education, etc.

Physical and mental health

We empower you to prioritize your wellbeing through paid time off, flexible working where possible, healthcare plans, counselling, our Mental Health Allyship program, and more.

Your career, your way

With 350,000+ roles at Cognizant, you’ll have opportunities to explore new technologies, industries, and locations-and build the skills you need to grow your career.

Real-world impact

Think about the biggest brands you rely on. Chances are, they rely on us to help strengthen their business. Here, you’ll turn bold ideas into solutions that improve lives everywhere.

Your path to Cognizant

Here’s what you can expect from our hiring process. Please keep in mind that it may vary by role and location. Explore our FAQs to learn more.

Step 1: Apply to the right opportunity

Find an open role that matches your skills and career goals and show us why you’re the person for the job. Don’t see the right opportunity? Consider joining our Talent Community.

Step 2: Connect with your recruiter

If one of our recruiters sees a fit, they’ll set up a short intro call to learn more about you and how your experiences and skills match the role.

Step 3: Show off your skills

If you and our team would like to continue the process, you’ll interview with our hiring team. Some roles may also require technical assessments and/or client interviews.

Step 4: Decision time

Our team will then review each candidate’s potential to succeed in the role. This step may take some time because we want to find the right fit for both you and us-but you can count on us to keep you updated.