Unlimit - Senior Processing Development Engineer (SmartVista)

• 1. Technical leadership and platform ownership • Own the end-to-end architecture of the processing ecosystem (SmartVista FrontEnd and BackOffice, • interfaces, HSM, scheme connectivity) and make architecture and technology-stack decisions • Act as the technical lead and senior escalation point for processing engineers; set engineering • standards, review solutions • Lead major incidents, coordinate the response with internal teams, the vendor and card schemes, • and drive post-incident reviews to permanent fixes • Manage the relationship with the SmartVista vendor on releases, patches, defects and change • 2. Process ownership and gap remediation • Map the current processing processes (authorisation, clearing, settlement, disputes, reconciliation, • reporting, release and change management, monitoring and on-call) and identify gaps, single points • of failure and manual workarounds • Build and run a remediation plan: define owners, deadlines and measurable outcomes, and follow • through to closure • Introduce and maintain operational standards: runbooks, release and change procedures, incident • and problem management, SLAs and KPIs (e.g. availability, approval rate, incident resolution time) • Make sure scheme mandates and regulatory changes are tracked, assessed and implemented on • time, and that the evidence of compliance is documented • 3. Processing development and scheme compliance • Deliver the technical implementation of new card products and services (acquiring and issuing) for • Visa, Mastercard, UnionPay, American Express and other schemes • Translate scheme mandates and specifications into technical solutions, and lead certification projects • with the schemes • Configure and develop SmartVista FrontEnd and BackOffice products, services and business rules • Prepare technical requirements for system upgrades; test and install releases and patches with • minimal downtime • Diagnose complex issues across authorisation, clearing and settlement flows and drive them to root • Set up and maintain payment system emulators and test environments; take part in go-live and pilot • Maintain clear technical documentation of the platform and implementation procedures • 4. Monitoring and observability: design, development and implementation • Design and build an end-to-end monitoring framework for the processing platform, covering • infrastructure, applications, interfaces and business metrics • Develop and implement real-time monitoring of: • – authorisation flows: approval and decline rates by scheme, BIN, issuer country, merchant, MCC • and response code • – response times, timeouts and stand-in processing • – scheme, issuer and HSM connectivity and host availability • – transaction volumes and abnormal spikes or drops • Develop and implement monitoring of back-office processes: • – clearing file generation, submission and acknowledgement (Visa, Mastercard and other • – incoming scheme files and reports, settlement positions and reconciliation breaks • – end-of-day and batch jobs, interchange and fee calculation, chargeback and dispute deadlines • Monitor scheme compliance indicators (e.g. decline-code usage, data-integrity edits, excessive • retries, fraud and dispute ratios) to catch issues before they become scheme non-compliance or fines • Define thresholds, alerting rules and escalation paths; integrate alerts with on-call, incident • management and messaging tools • Build operational dashboards for engineering, operations and management, and define the related • Develop health checks, synthetic test transactions and log-based monitoring for SmartVista • Continuously tune monitoring to reduce false alerts, and turn incident findings into new checks and • 5. Automation and AI • Identify manual and repetitive processes and automate them, including: • – reconciliation and settlement • – scheme file exchange and report submission • – testing, regression and release management • – monitoring and alerting • Build CI/CD pipelines and automated deployment for processing components and configuration • Design and deliver AI-driven solutions for processing operations, for example: • – anomaly detection on transaction flows, decline patterns and fraud signals • – intelligent alerting that reduces noise and escalates what matters • – automated root-cause analysis of declines and incidents • – AI assistants or agents that analyse scheme specifications, mandates and authorisation • messages and flag deviations • Introduce test automation and regression frameworks for scheme messages and processing flows • Promote the safe use of AI tools across the team, with appropriate controls for data security, PCI DSS • and human oversight of changes to production