Staff Engineer (Backend) - Money

Founded to transform retail finance, Ajaib Group is an Indonesian fintech unicorn breaking barriers to financial access. Having recently secured a $270M Series C-the single largest funding round in Southeast Asia over the past four years-we are backed by premier global investors including Y Combinator, Ribbit Capital, SoftBank, and SBI Holdings.

To build world-class products, we assemble world-class talent. Supported by our fully remote work arrangement, our team spans Eastern Europe, the Middle East, India, and Southeast Asia, allowing you to work with brilliant engineers and builders from around the globe from wherever you are. We operate with an impact-driven purpose where everyone is the owner of our customers' satisfaction. Driven by a growth mindset and a fierce will to win, we refuse to settle and constantly push engineering boundaries.

Role Overview

As a Staff Engineer (Backend) in the Money team, you set the technical direction for the systems that hold and move customers' money across several teams: the ledger and account platform, transfers and payments, bank integrations, reconciliation and end-of-day processing. You solve the hardest problems around correctness, consistency and reliability for money that must always add up, and you make the engineers around you stronger. You stay hands-on where it matters most.

• Define the technical direction and architecture for ledger, account and payment systems that span several teams.
• Lead the design of fault-tolerant, consistent and secure services, and review critical designs from other teams.
• Lead the ledger architecture: double-entry model, balance computation at scale, holds, reversals and complete audit trails.
• Set the standard for correctness in money flows: idempotency, clear transaction states, distributed transaction patterns and safe handling of unknown results.
• Design the platform for connecting to many banks and payment networks, including routing, failover, monitoring of success rates and cut-off handling.
• Design reconciliation, settlement and end-of-day processing that find every difference quickly and fix it at the root.
• Design fraud and risk controls that fit into real-time money flows without hurting normal customers.
• Plan for peak load and failure scenarios, and drive load testing, capacity planning and disaster recovery.
• Identify technical risks early, weigh trade-offs and drive decisions that fit business and regulatory needs.
• Lead investigations and root cause analysis for complex production incidents, and drive lasting improvements.
• Set and promote engineering standards for reliability, observability, security and performance.
• Partner with Engineering Managers, Product, Finance, Risk and Compliance on cross-team initiatives.
• Mentor Senior Engineers and help grow technical leadership across the team.
• Stay hands-on with implementation for critical components and complex problems.

Requirements

• Education: Bachelor's or Master's degree in Computer Science or equivalent practical experience.
• Experience: 8+ years of professional software engineering, with a proven record of designing and running large-scale distributed systems that handle money or other critical transactions, and leading technical work across teams.
• Languages: Highly proficient in Java, Go or another modern backend language.
• System Design & Architecture: Strong expertise in microservices, event-driven architectures, distributed transactions, reliability engineering, observability and performance optimization.
• Banking Domain: Strong working knowledge of ledgers, payment networks, bank integrations, reconciliation and batch processing, or equivalent depth in large payment or e-wallet systems.
• Data & Messaging: Deep practical experience with Kafka, Redis, and relational databases, including transactions, locking, query tuning and data consistency.
• Infrastructure: Experience designing and operating applications on cloud platforms (GCP, AWS).
• Mindset & Domain: Background in banking, payments, e-wallets or another high-scale, regulated financial environment. Strong communication, with the ability to influence technical decisions without direct authority.

Benefits

• Performance Bonus - Get rewarded for the impact you make
• Private Insurance - Comprehensive health coverage for you
• Paid Time Off - Take the time you need to recharge and come back stronger
• Learning & Development - Company-sponsored training, courses, and professional certifications
• Hybrid Work Arrangement - Enjoy the flexibility of working both remotely and from the office
• Career Growth - Work closely with experienced leaders and take on meaningful ownership as we scale
• Employee Perks - Enjoy exclusive discounts, partnerships, and lifestyle perks
• Collaborative & High-Ownership Culture - Work with smart, driven people in cross-functional teams, take ownership, and make a meaningful impact for our users.