Product & Domain Lead; GenAI Solution Architect Job Town of Philadelphia New York USA,IT/Tech

Payments Product & Domain Lead (GenAI Solution Architect)

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:

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:
Digital wallets
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:
Card selection and recommendation
Authorization and authentication
Payment declines and recovery strategies
Refunds and chargebacks
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
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.
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 Fin Tech.
Deep understanding of:
Card payments
Wallets and mobile payments
Rewards and loyalty ecosystems
Corporate payments
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.
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…