Backend Engineer
Responsibilities
System Architecture & Delivery: 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.
Capital Security & Risk Mitigation: Architect robust anti-fund-loss frameworks by deeply analyzing transaction risks. Design and deploy automated reconciliation engines, sophisticated exception-handling systems, and continuous fund audits to structurally eliminate financial leaks and capital exposure.
Global Channel Integration: Spearhead integrations with international payment rails, banking channels, local payment methods (LPMs), and major credit card networks. Architect configurations to seamlessly handle complex cross-border variables, including localized compliance, dynamic exchange rates (FX), and multi-currency settlement.
Performance & Scalability Optimization: Continuously optimize system infrastructure to guarantee high availability, low latency, and operational efficiency. Solve critical distributed system challenges involving massive concurrency, distributed transactions, and strict data consistency.
Cross-Functional Collaboration: Partner closely with risk management, corporate finance, compliance, and product teams to drive continuous improvements in payment system stability, security, and financial compliance.
Responsibilities
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, with deep proficiency in the core logic, architecture, and transaction flows of cross-border payment platforms.
Proven track record of serving as the lead developer or architect for the end-to-end lifecycle of a core payment platform (covering acquiring, clearing, or settlement).
Strong understanding of capital protection frameworks. Possesses practical experience in diagnosing fund-loss incidents or designing automated mitigation systems (such as high-speed reconciliation engines or fund audits).
Prior experience handling integrations with international payment rails, banking APIs, localized payment methods (LPMs), 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.