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About Albertsons Companies Inc. (ACI): As a leading food and drug retailer in the United States, Albertsons Companies, Inc. operates over 2,200 stores across 35 states and the District of Columbia. Our well-known banners across the United States, including Albertsons, Safeway, Vons, Jewel-Osco and others, serve more than 36 million U.S customers each week. We build and shape technology solutions that solve customers’ problems every day, making things easier for them when they shop with us online or in a store. We have made bold, strategic moves to migrate and modernize our core foundational capabilities, positioning ourselves as the first fully cloud-based grocery tech company in the industry. Our success is built on a one-team approach, driven by the desire to understand and enhance the customer experience. By constantly pushing the boundaries of retail, we are transforming shopping into an experience that is easy, efficient, fun and engaging. About Albertsons India Capability Center: At Albertsons India Capability Center, we're not just pushing the boundaries of technology and retail innovation, we're cultivating a space where ideas flourish and careers thrive. Our workplace in India is a vital extension of the Albertsons Companies Inc. workforce and important to the next phase in the company’s technology journey to support millions of customers’ lives every day. At the Albertsons India Capability Center, we are raising the bar to grow across Technology & Engineering, AI, Digital and other company functions, and transform a 165-year-old American retailer. At Albertsons India Capability Center, associates collaborate directly with international teams, enhancing decision-making processes and organizational agility through exciting and pivotal projects. Your work will make history and help millions of lives each day come together around the joys of food and inspire their well-being. Job Description: We are seeking a Principal Engineer / Architect to lead the Payments Architecture and Engineering portfolio across Retail and E commerce platforms. This role is responsible for defining the architectural vision, driving technical strategy, and guiding engineering teams in building secure, scalable, and highly available payment systems. The ideal candidate brings deep payment-domain expertise, strong Java and mobile architecture knowledge, and hands on experience building retail-scale systems supporting both in store and digital commerce journeys. This is a highly visible leadership role, collaborating across product, security, operations, and business stakeholders globally. Key Responsibilities: Payments Architecture & Strategy Define and own the end-to-end architecture for payment systems supporting in store POS, mobile apps, and e commerce platforms Lead design decisions for payment authorization, capture, settlement, refunds, chargebacks, and reconciliation Ensure systems meet PCI DSS, tokenization, encryption, and fraud-prevention requirements Evaluate and integrate payment gateways, processors, wallets, and alternative payment methods Retail & Digital Commerce Systems Design scalable solutions that support high volume retail transactions, promotions, loyalty, and coupons Collaborate on solutions spanning POS, e commerce, Mobile, and Enterprise Payment Switch Ensure seamless and consistent payment experiences across store, web, and mobile channels Technical Leadership: Act as a hands-on technical leader while mentoring senior engineers and architects Drive architecture reviews, technology standards, and best practices Lead complex technical discussions and influence decisions across teams and leadership Partner with Security, Infrastructure, and SRE teams on resilience and reliability Engineering Excellence Establish patterns for microservices, event-driven architecture, APIs, and real-time processing Drive adoption of cloud-native architectures, observability, and automation Participate in critical design and code reviews, especially for high-risk payment components Required Qualifications: Experience: 15+ years of software engineering experience with multiple years in an Architect / Principal Engineer role Strong hands-on experience designing and building Payment Systems in Retail or E commerce environments Proven experience supporting high-volume, low-latency transaction systems Technical Expertise Deep expertise in Java / JVM-based backend systems (Spring, Microservices, APIs) Strong understanding of payment flows, including: Card payments, digital wallets, tokenization Authorization, capture, settlement, refunds Fraud detection and risk controls Solid experience designing systems for POS and Store technologies Experience integrating with mobile platforms (iOS, Android) and understanding mobile payment flows Strong knowledge of distributed systems, scalability, fault tolerance, and data consistency Retail & Domain Knowledge Strong understanding of Retail operations, including POS, promotions, coupons, loyalty, and receipts Experience with E commerce checkout and digital payment journeys Familiarity with OMS, loyalty systems, and customer identity in retail is a strong plus Preferred Qualifications: Experience with cloud platforms (Azure preferred, AWS/GCP acceptable) Knowledge of event streaming (Kafka), messaging, and async architectures Experience working with global, distributed teams Exposure to Digital Receipts, Personalized Offers, and Customer Analytics Prior experience modernizing or replacing third-party SaaS payment or POS solutions Leadership & Soft Skills: Strong architectural thinking with the ability to balance business needs and technical rigor Excellent communication skills; able to explain complex ideas to technical and non technical audiences Proven ability to influence without authority and drive alignment across teams Passion for engineering excellence, security, and customer experience