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Principal Engineer (Payments) Our long-term trusted partner, a leading financial services corporation, is hiring a Principal Engineer who has strong hands on capabilites in Java (17/21) & payment product experience who can contribute to real-time architectural decision making leading vision & strategy across Faster Payments, Real-Time Payments, Card payments, BACS, mobile wallets and APIs. Our client is paying a basic salary up to 110,000 (circa) + 25% bonus + benefits to be based in London, Chatham (Kent) or Wolverhampton onsite 2 days per week. Our client is seeking experienced Principal Engineer with recent retail / digital banking experience who is happy to be hands on (80%) and 20% architectural leadership by leading through example. Your responsibilities will include: Lead the development and implementation of a modern cloud foundation and data platform that is robust, scalable, fully automated, secure, and can support the growth of the business. Build Scalable Architectures: Leverage modern technologies to design and implement scalable, secure, and high-performing cloud-native solutions. API Development and Integration: Design and build secure RESTful and GraphQL APIs, ensuring seamless integration with core banking systems (e.g., Mambu) and external services like Open Banking platforms. Data Engineering and Analytics: Work closely with data teams to define robust data pipelines and scalable cloud-based data platforms using tools like Apache Kafka, Snowflake, or Databricks. Monitoring and Performance Tuning: Implement advanced monitoring and observability solutions using tools like Prometheus, Grafana, or Datadog to proactively identify and resolve performance bottlenecks. Code and System Optimisation: Proactively analyse and optimise existing systems for improved performance, scalability, and maintainability. Core skill set for this position: Strong experience building and scaling banking payment systems including either Faster Payments, Real-Time Payments, Card payments, BACS, mobile wallets and APIs is a must have. Experience leading upon architectural challenges, system scalability, and guidance of engineering teams is a must. A background in Java, C#, Python, or React development with experience providing hands-on technical leadership is a must. Strong background in core banking systems/platforms (Mambu), cloud-native architectures, microservices and DevOps practices Solid understanding of regulatory, risk and compliance requirements (e.g. PSD2, PCI DSS, GDPR) Experience with cloud platforms (AWS, Azure or GCP) and modern data platforms Benefits: 110,000 crica / 25% bonus / 28 days holiday / Holiday Purchase Scheme / Occasional travel / Health Insurance / 13% pension / plus much more. Principal Engineer (Payments)