Backend Engineer

Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform. Architect anti-fund-loss frameworks, automated reconciliation and exception-handling systems, and integrations with international payment rails, banking channels, local payment methods, and credit card networks. Optimize infrastructure for high availability, low latency, and efficiency while collaborating with risk management, finance, compliance, and product teams.

Responsibilities

• Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform
• Spearhead technical implementations across the full payment lifecycle, including acquiring, clearing, settlement, and ledger accounting
• Architect robust anti-fund-loss frameworks by analyzing transaction risks
• Design and deploy automated reconciliation engines, exception-handling systems, and continuous fund audits
• Spearhead integrations with international payment rails, banking channels, local payment methods, and major credit card networks
• Architect configurations to handle complex cross-border variables including compliance, FX, and multi-currency settlement
• Optimize system infrastructure to guarantee high availability, low latency, and operational efficiency
• Solve distributed system challenges involving massive concurrency, distributed transactions, and data consistency
• Partner with risk management, corporate finance, compliance, and product teams to improve payment system stability and security

Requirements

• 5+ years of professional, hands-on Java development experience, with at least 2+ years dedicated to technical architecture and distributed system design
• At least 2+ years of specialized experience in building and maintaining payment infrastructure
• Proven track record of serving as the lead developer or architect for the end-to-end lifecycle of a core payment platform
• Strong understanding of capital protection frameworks and practical experience diagnosing fund-loss incidents or designing automated mitigation systems
• Prior experience handling integrations with international payment rails, banking APIs, localized payment methods, and credit card networks is highly preferred
• Excellent communication skills with a strong sense of ownership, accountability, and a proactive approach to technical problem-solving