Senior Data Engineer | London, UK

Description

At Paymentology, we're redefining what's possible in the payments space. As the first truly global issuer-processor, we give banks and fintechs the technology and talent to launch and manage Mastercard, Visa, and UnionPay cards at scale - across more than 60 countries.

Our advanced, multi-cloud platform delivers real-time data, unmatched scalability, and the flexibility of shared or dedicated processing instances. It's this global reach and innovation that sets us apart.

We're looking for a Senior Data Engineer to architect and implement a modern Data & AI platform that supports the next generation of issuer processing infrastructure. This role is vital for designing real-time and batch data pipelines used in fraud detection, reconciliation, and regulatory reporting. If you're an expert in streaming technologies, cloud data architecture, and high-volume transaction processing, this is your opportunity to work on cutting-edge systems at global scale.

What you get to do:

Issuer Processing Data Engineering

• Design and build pipelines for end-to-end card transaction event processing (authorization through settlement).
• Normalize and process ISO8583/JSON payloads, including de-duplication and correlation of retries, reversals, and late-clearing messages.
• Develop frameworks for scheme fee computation, network clearing reconciliation, and settlement reporting.
• Build client-level reporting capabilities for operational and audit purposes.
• Collaborate with Risk, Fraud, and Compliance teams to integrate real-time analytics and scoring mechanisms.

Data Architecture & Platform Engineering

• Design and implement both streaming and batch data pipelines using Kafka, Flink, Spark, and Dataflow.
• Manage schema evolution and contract validation for changing transaction formats.
• Build and maintain data lakehouse environments (e.g., Delta Lake, Iceberg).
• Enable performant OLAP workloads using BigQuery, Redshift, or Snowflake through appropriate data modeling strategies.
• Develop ETL/ELT orchestration with tools like Airflow, Dagster, or dbt.
• Implement observability, lineage tracking, and data quality monitoring using tools like Great Expectations and Monte Carlo.

Requirements

What it takes to succeed:

• Advanced expertise in streaming data technologies (Kafka, Flink, Spark).
• Strong programming skills in Python, Scala, or Java.
• In-depth experience with ISO8583, issuer/acquirer transaction processing, and financial-grade systems.
• Deep understanding of OLTP offload strategies and ledger-consistent data modeling.
• Skilled in building scalable data infrastructure in cloud environments (GCP, AWS).
• Familiarity with financial compliance standards (e.g., PCI-DSS, data masking, encryption).
• Strong communication and collaboration skills across technical and business stakeholders.
• Analytical mindset and ability to handle complex data scenarios involving reconciliation, discrepancies, and reporting.

Education & Experience:

• Bachelor's or Master's degree in Computer Science, Data Engineering, or a related technical field, or equivalent practical experience.
• 7-12 years of experience in data engineering with demonstrated contributions to large-scale, real-time data systems.
• Ideal candidates will have a strong grasp of MLOps practices and experience working with machine learning data pipelines, particularly those used in areas like fraud or anomaly detection.
• Familiarity with Change Data Capture (CDC) tools such as Debezium or Kafka Connect is also valued.
• Experience working within regulated financial institutions or directly with card network integrations is highly regarded.
• Hands-on experience in ledger verification, reconciliation logic, and automated financial reporting.
• Contributions to open-source projects in the big data or fintech domains demonstrate a strong commitment to technical excellence and community engagement.

What you can look forward to:

At Paymentology, it's not just about building great payment technology, it's about building a company where people feel they belong and their work matters. You'll be part of a diverse, global team that's genuinely committed to making a positive impact through what we do. Whether you're working across time zones or getting involved in initiatives that support local communities, you'll find real purpose in your work - and the freedom to grow in a supportive, forward-thinking environment.

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