Senior Full-Stack Developer

dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments. We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

We are looking for a Senior Full-Stack Engineer to provide hands-on technical leadership and architecture ownership for our core payment and wallet systems. In this role, you will design and build highly reliable, scalable, and transaction-critical systems across both backend and frontend layers.

You will take ownership of complex technical challenges, from distributed transactions, database consistency, and high-concurrency processing to frontend architecture and performance. As a senior technical contributor, you will also lead technical reviews, establish engineering standards, investigate complex production incidents, and mentor engineers across the team. This role is ideal for a highly experienced full-stack engineer who is comfortable working independently, making architecture-level decisions, and operating in a fast-paced environment where system reliability, accuracy, and scalability are critical.

What You'll Do:

Architecture and Technical Ownership

Design and own the end-to-end architecture for core payment and wallet systems, ensuring scalability, reliability, security, and maintainability.

Design robust solutions for complex distributed system challenges, including database transaction management, high-concurrency locking, data consistency, and message queue reliability.

Define and drive architecture patterns and technical approaches for transaction-critical systems.

Review technical designs and proactively identify potential risks, performance bottlenecks, scalability issues, and architectural gaps before implementation.

Collaborate with Engineering Leads, Product, PM/PMO, and QA teams during the requirement and solution design stages to clarify technical boundaries, dependencies, and constraints and reduce downstream rework.

Full-Stack Development

Independently design, develop, and optimise backend microservices and frontend applications supporting critical and high-risk payment workflows.

Build and maintain scalable backend services using Core Java, Spring Boot, MyBatis, and related technologies.

Design reliable approaches for distributed transactions, asynchronous processing, message queues, and database operations under high transaction volumes.

Architect and develop frontend solutions using React and TypeScript, including state management, component architecture, and performance optimisation.

Take ownership of complex technical implementations across frontend, backend, database, and integration layers.

Engineering Standards and Technical Leadership

Lead technical and code reviews to ensure high standards of code quality, system design, reliability, and maintainability.

Establish, promote, and enforce engineering standards, architecture principles, and development best practices across the team.

Identify opportunities to improve development processes, code quality, system observability, and engineering efficiency.

Provide technical guidance and architectural direction for complex projects and critical system changes.

Production Incident Management and Root-Cause Analysis

Serve as a key technical escalation point for complex production incidents involving frontend, backend, database, and integration layers.

Lead structured root-cause analysis for critical incidents, particularly those involving cross-layer inconsistencies and transaction-related issues.

Drive post-incident reviews and postmortems, identifying both immediate fixes and longer-term preventive actions.

Develop repeatable troubleshooting frameworks, diagnostic approaches, and engineering practices to improve the team's ability to investigate and resolve complex issues.

Mentorship and Cross-Functional Collaboration

Mentor full-stack and mid-level engineers on software architecture, system design, troubleshooting, and engineering best practices.

Conduct technical knowledge sharing and support the development of engineering capabilities across the team.

Work closely with Frontend and Backend Engineering Leads to align technical approaches and maintain consistency across the technology stack.

Partner with Product, PM/PMO, and QA teams to translate business requirements into practical and scalable technical solutions.

Communicate technical designs, risks, and solutions clearly to both technical and non-technical stakeholders.

What We're Looking For:

At least 8 years of full-stack software development experience, with proven experience taking architecture-level ownership of at least one large-scale or business-critical production system.

Strong backend engineering expertise in Core Java, Spring Boot, and MyBatis, with hands-on experience building and operating production systems.

Deep understanding of distributed systems, including transaction design, data consistency, concurrency control, locking mechanisms, and message queue reliability patterns.

Proven experience designing systems that operate reliably under high transaction volumes and real-world production workloads.

Strong frontend architecture experience using React and TypeScript, with the ability to independently design frontend solutions rather than solely implementing predefined designs.

Experience designing frontend state management strategies, scalable component architectures, and performance optimisation approaches for complex applications.

Demonstrated experience leading root-cause analysis for complex production incidents involving multiple layers, including frontend, backend, databases, and system integrations.

Ability to develop structured and repeatable troubleshooting approaches that improve team-wide incident investigation and resolution capabilities.

Experience working in payments, fintech, digital wallets, or other transaction-critical domains is highly preferred.

Good understanding of financial-grade engineering requirements, including idempotency, audit trails, reconciliation, data integrity, and transaction consistency.

Proven experience mentoring engineers and contributing to the technical development and capability of an engineering team.

Strong communication and stakeholder management skills, with the ability to explain complex technical concepts clearly to both technical and non-technical audiences.

Fluent in English and Mandarin (spoken and written) to support effective technical communication with overseas business teams and Mandarin-speaking vendors.

Self-motivated and comfortable operating in an environment where requirements or roadmaps may not always be fully defined.

Strong sense of ownership, with the ability to independently identify technical problems, propose solutions, and drive improvements from design through implementation.

The role is based fully onsite, requiring your presence in the office.

dtcpay is a regulated payment service provider that offers reliable solutions for merchants to grow revenues with increased acceptance rates across fiat and cryptocurrency. Our client's customers benefit from frictionless payment experiences, whether they are using our award-winning POS+ terminal in-store or using our online checkout solution.

Founded in 2019 in Singapore, dtcpay is a licensed Major Payment Institution (MPI) under the Monetary Authority of Singapore (MAS) and offers Digital Payment Token (DPT) services. We have expanded our global footprint with subsidiaries in the Americas, Hong Kong and the Middle East.