Job Title: Payments Product & Domain Lead (Gen AI Solution Architect)
Location:Philadelphia ,New York, USA
Experience Level:8+ years.
Who Can Apply- US Citizen, Green Card Holder, Valid US Work permit
Company Overview: Incubit LLC is a well-established and innovative technology company based in Ohio, USA. We are seeking a Payments Product & Domain Lead (Gen AI Solution Architect) with expertise in GenAI solution architect capabilities to join the project of one of the leading Bank based at New York, USA. Website: www.incubit.com
Key Responsibilities
Payments Strategy & Product Leadership
- Lead the payments domain strategy for agentic commerce and AI-enabled payment experiences.
- Identify opportunities to enhance customer payment journeys, wallet adoption, and top-of-wallet positioning.
- Evaluate emerging payment technologies, digital commerce trends, and AI-driven payment ecosystems.
- Develop strategic recommendations and secure stakeholder alignment, including GCO approval.
Agentic Checkout & Commerce Assessment
- Assess agent-driven checkout and autonomous purchasing capabilities.
- Define agentic payment use cases across retail, travel, subscriptions, corporate spend, and partner ecosystems.
- Evaluate customer experience, trust, security, compliance, and operational considerations.
- Recommend one or more high-value agentic payment propositions for implementation.
Wallets & Top-of-Wallet Optimization
- Analyze digital wallet ecosystems and payment orchestration opportunities.
- Identify strategies to improve card preference and top-of-wallet placement.
- Evaluate customer incentives, rewards optimization, and payment routing capabilities.
- Define wallet integration and enablement requirements.
Payments Architecture & Domain Mapping
- Map and document end-to-end payment capabilities, including:
- Tokenization
- Digital wallets
- Card lifecycle management
- Rewards and loyalty programs
- Promotional offers
- Corporate payment controls
- Merchant and partner integrations
- Define target-state payment architecture and functional dependencies.
Customer Journey & Transaction Validation
- Validate critical payment flows, including:
- Checkout experiences
- Card selection and recommendation
- Authorization and authentication
- Payment declines and recovery strategies
- Refunds and chargebacks
- Rewards redemption scenarios
- Ensure solutions meet customer, business, and regulatory requirements.
Economics & Partnership Assessment
- Assess commercial viability of proposed payment products and experiences.
- Analyze:
- Revenue opportunities
- Interchange impacts
- Reward costs
- Operational costs
- Partner economics
- Vendor dependencies
- Build business cases and ROI models for prioritized propositions.
Solution Architecture & Delivery Planning
- Define solution architecture patterns for agentic payment capabilities.
- Evaluate integration requirements across payment gateways, processors, wallets, token services, rewards systems, and AI platforms.
- Identify implementation dependencies, risks, and delivery constraints.
- Develop a phased execution roadmap.
Backlog & Proposition Definition
- Produce detailed proposition specifications and business requirements.
- Create user stories, architectural requirements, and acceptance criteria.
- Prioritize capabilities and delivery milestones.
- Support delivery teams throughout implementation.
Required Skills & Experience
Payments Domain Expertise
- 8+ years of experience in Payments, Cards, Digital Commerce, Banking, or FinTech.
- Deep understanding of:
- Card payments
- Wallets and mobile payments
- Payment gateways
- Tokenization
- Merchant acquiring
- Rewards and loyalty ecosystems
- Corporate payments
Solution Architecture
- Experience designing enterprise-scale payment solutions.
- Strong understanding of API-driven architectures, payment integration patterns, and cloud-native solutions.
- Ability to translate business requirements into scalable technical designs.
GenAI & Agentic Systems
- Experience with GenAI, AI agents, autonomous workflows, and conversational commerce.
- Understanding of AI-assisted checkout, recommendations, and commerce orchestration.
- Familiarity with RAG, agent frameworks, and AI platform ecosystems.
Preferred Qualifications
- Experience with Visa, Mastercard, Amex, digital wallet providers, payment gateways, or large banking institutions.
- Knowledge of PCI-DSS, payment security, tokenization standards, and fraud prevention frameworks.
- Experience with Azure, AWS, GCP, or cloud-based payment architectures.
- Familiarity with Open Banking, embedded finance, and agentic commerce ecosystems.
Key Deliverables
- Payments domain assessment
- Agentic commerce opportunity analysis
- Wallet and top-of-wallet strategy
- Tokenization, rewards, and payment capability map
- Agentic payment proposition specifications
- Checkout validation framework
- Economics and partnership assessment
- Payments roadmap and implementation plan
- Architecture recommendations and dependency analysis
- GCO-approved proposition package
Contract Details:
- Type: Contract
- Duration: 6 Month (Extendable)
- Working Model: WFO
- Hourly Rate: Competitive, based on experience.
How to Apply: If you are interested in exploring this opportunity further, please submit your resume at
recruiting@incubit.com
along with the below mentioned details. We would be delighted to discuss the position in more detail, answer any questions you may have, and provide additional information about the application process. Please include "Payments Product & Domain Lead (Gen AI Solution Architect)- [Your Name]" in the subject line.
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We look forward to hearing from you!