Vacancies at Titc.io

As a Senior Software Engineer in the Card Rails team, your role will focus on direct integrations with banks using protocols such as ISO 8583. You’ll develop PCI-compliant systems and contribute to the design, build, testing, and deployment of the organisation’s payment switch. Collaboration with cross-functional teams is central to ensuring exceptional merchant and customer experiences.

Your Daily Adventures Include:

• Lead development of features for ongoing acquiring bank integrations.
• Build and integrate new features with a focus on security, scalability, and PCI compliance.
• Troubleshoot and debug issues in bank/acquirer integrations using logs, monitoring tools, and code analysis.
• Ability to design scalable solutions for acquiring bank integrations.
• Proven ownership of end-to-end project delivery in high-scale environments
• Strong communication skills in remote, cross-functional settings.
• Experience working effectively with product teams, operations, and external partners.

 Requirements

What It Takes To Succeed: 

• Minimum 7 years of experience in cloud-based backend engineering.
• Proficient in Java, ideally with Spring Boot.
• Strong understanding of card payments and ISO 8583 protocols.
• Familiarity with AWS (Lambda, API Gateway, Serverless).
• Experience with PCI DSS-compliant development.
• Competence with databases such as PostgreSQL, MySQL, MongoDB.
• Bonus: Knowledge of ISO 20022 or HSM development using Thales International commands.

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The successful candidate will drive revenue growth and client acquisition across Anglophone markets in East and West Africa, leading on strategic partnerships and enterprise sales across banking, retail, and fintech sectors.

Your daily adventures include:

Territory Development & Sales Execution:

• Own the full sales cycle across a portfolio of next-generation financial solutions including BaaS, PaaS, issuer & acquirer processing, and embedded finance products.
• Target tier-2 banks, corporates launching financial services, and high-growth FinTech’s.
• Build and execute a territory plan to exceed annual new logo and ARR targets.

Client Engagement & Solution Selling:

• Engage C-level stakeholders and product teams to define use cases (e.g. cards, wallets, lending, collections).
• Conduct ROI-led solution workshops, craft proposals, and manage commercial negotiations.

Strategic Partnerships & Ecosystem Engagement:

• Develop and manage partnerships with schemes, processors, regulators, consultancies, and technology vendors to enable co-sell and referral opportunities.

 Market Intelligence & Brand Visibility:

• Represent the business at industry events and forums.
• Provide structured market feedback on competition, pricing, regulation, and opportunities.

 Governance & Cross-Functional Collaboration:

• Ensure compliance with internal sales governance.
• Collaborate with product and engineering teams on technical due diligence, demo builds, and implementation support.

Requirements

What it takes to succeed: 

• Minimum 7 years of enterprise or solution sales in payments, banking infrastructure, or embedded finance.
• Proven ability to close multi-year platform deals in at least two countries in East or West Africa.
• Understanding of card issuing/acquiring, mobile money, ACH/real-time payments, core banking integrations, and regional regulatory frameworks.
• High EQ, entrepreneurial spirit, challenger sales mindset.
• Strong negotiation and consultative selling skills.
• Ability to work independently across diverse markets.
• Bachelor's degree in business, finance, engineering, or related. MBA a plus.
• Willingness to travel extensively within the assigned region.
• Fluent in English. Portuguese or Swahili is advantageous.

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Your daily adventures include:

Business and Financial Performance

• Data Analysis: Analyze business performance data to identify key trends, risks, and opportunities for optimization in remittance and fintech services
• Financial Forecasting: Leverage data insights to forecast financial performance, helping shape growth strategies and operational efficiencies.
• Pricing & Product Analysis: Conduct pricing analysis, product performance reviews, and monitor customer accounts to provide actionable recommendations for revenue growth.
• Competitive Analysis: Collect and analyze competitive intelligence to strengthen the business’ market position and drive business growth.

Customer Excellence

• Stakeholder Reporting: Prepare regular reports and interactive dashboards for senior management, highlighting key performance metrics and providing actionable insights.
• Customer Insights: Work closely with sales managers to provide data-backed insights that support customer retention, acquisition, and overall business growth.
• Customer Monitoring: Conduct regular account analysis to identify patterns and propose corrective actions, ensuring that customer needs are met efficiently.

Leadership and People Management

• Cross-functional Collaboration: Build strong relationships with various teams, including sales, marketing, and product development, to drive cohesive decision-making processes based on data.
• Knowledge Sharing: Provide mentorship and guidance to teams on how to interpret data insights and make data-driven decisions for business improvement.

Process, Control, and Operational Performance

• Operational Efficiency: Develop and refine internal processes for data collection, analysis, and reporting to improve efficiency and data accuracy.
• Data Integrity: Ensure the integrity and confidentiality of data used for analysis, adhering to strict data governance and ethical standards.
• Automation & Tools: Drive the use of business intelligence tools and automation to streamline data reporting and decision-making processes.

Strategic Initiatives

• Strategic Recommendations: Provide data-driven recommendations that support business strategic initiatives, including product development, market expansion, and partnership growth.
• Innovative Insights: Lead initiatives for deeper data mining and exploration of new trends and opportunities to inform business strategies.
• Risk Identification: Analyze risks based on data patterns and trends to propose proactive solutions for business continuity and sustainability.

Requirements

What it takes to succeed: 

• Bachelor’s degree in Data Science, Business Analytics, Economics, Statistics, or a related field.
• Certifications in Data Analytics, Business Intelligence tools, or Data Science are desirable.
• Advanced degree or MBA with a focus on data analytics or business intelligence is an advantage.
• More than 5 years of experience in data analysis and data mining with mastery-level proficiency in Microsoft Excel.
• Data-driven with strong analytical ability and hands-on approach.
• Highly organized, able to prioritize tasks, and work under pressure in a rapidly evolving environment.
• Adept at developing and executing actions synthesized from analysis of issues.
• Detail-oriented with a belief in the value of process.
• Flexible, self-motivated, team-oriented, and open to change.
• Excellent communication skills and ability to interact with people globally in a multicultural environment.