Java-Backend Engineer (Payments)

Role Overview:

We are looking for a Senior Backend Software Engineer to join our Payments team. You will be responsible for designing and iterating on the core architecture of our payment platform, ensuring high availability, security, and exceptional performance to support our rapidly growing global business.

Key Responsibilities:

• Core Architecture: Design, develop, and iterate on the core architecture of the payment platform, encompassing acquiring systems, payment routing, clearing and settlement, and refund management.
• Channel Management: Architect a highly available payment channel management system. Integrate with banks, third-party payment service providers (PSPs), and international card networks (VISA, MasterCard) to enable smart routing and disaster recovery failover.
• Risk & Security: Build robust payment risk engines and security frameworks. Implement transaction anti-fraud measures, risk scoring, and anomaly interception to ensure fund security and compliance (e.g., PCI-DSS, AML).
• API & User Experience: Optimize payment workflows and user experiences. Design unified payment APIs/SDKs to support seamless multi-terminal access (App, Web/H5, Mini-programs, POS), maximizing payment success rates and minimizing latency.
• Clearing & Reconciliation: Build real-time clearing and reconciliation systems. Enable precise fund accounting, split payments (sub-merchant routing), and cross-institutional reconciliation to ensure 100% accuracy and traceability of fund flows.
• Global Expansion: Drive the internationalization of the payment platform. Support multi-currency settlements, cross-border payments, and localized payment methods (e.g., SE Asia e-wallets, US/EU ACH), addressing FX conversion and cross-border compliance.
• Cross-functional Collaboration: Partner with Product, Risk, and Compliance teams to define payment strategies. Drive product innovation (e.g., Buy Now Pay Later, payment orchestration) while balancing technical feasibility with business growth.

Qualifications:

1. Core Technology Stack

• Languages & Frameworks: Proficient in Java with deep expertise in Spring Boot, Spring Cloud, and MyBatis. Capable of independently designing the architecture for core payment modules.
• Payment Protocols: Familiar with payment industry standards and protocols (e.g., PCI-DSS, 3D Secure, SWIFT, ISO 8583). Proven experience in designing or integrating payment gateways and acquiring systems.
• Data & Middleware: Mastery of high-concurrency relational database design (MySQL/Oracle). Highly skilled in leveraging Redis (for state caching) and message queues like Kafka/RabbitMQ (for asynchronous transaction processing).

2. System Architecture

• Distributed Systems: Extensive experience with high-concurrency payment architectures. Mastery of distributed transactions (TCC, SAGA), distributed locks, rate limiting, and circuit breaking to resolve performance bottlenecks during peak traffic (e.g., mega-sales/promotions).
• Microservices: Proven experience in domain-driven microservice decoupling. Familiar with API Gateways (Spring Cloud Gateway) and service discovery. Ability to design highly compatible payment API specifications.
• Resilience: Capable of designing robust disaster recovery plans (active-active architectures, geo-redundancy) to guarantee transaction continuity during extreme system failures.

3. Security & Compliance

• Security Protection: Expertise in payment data encryption (in-transit & at-rest), signature validation, and risk rule engine design to prevent card testing, phishing, and data breaches.
• Compliance by Design: Deep understanding of regulatory requirements (PCI-DSS, KYC, AML) and the ability to embed them into system architecture (e.g., strict access control, transaction limits, audit trails).

4. Platformization & Internationalization

• Platform Design: Experience building Payment-as-a-Service (PaaS) platforms. Able to design configurable routing rules, dynamic fee models, and fund routing strategies to accelerate business onboarding.
• Global Payments: Understanding of cross-border payment lifecycles and compliance. Experience integrating international payment channels and handling multi-currency ledgers is highly preferred.

5. DevOps & Observability

• Cloud Native: Familiar with cloud platforms (AWS/Alibaba Cloud) and Docker/Kubernetes deployments. Experience building CI/CD pipelines for financial systems.
• Monitoring: Mastery of observability tools (Prometheus, Grafana). Able to design monitoring metrics for critical SLIs (payment success rates, latency) to rapidly diagnose anomalies.

Bonus Points:

• Prior experience developing core modules for major payment platforms (e.g., PayPal, Stripe, WeChat Pay, Alipay).
• Experience with payment orchestration, cross-border remittance, or Central Bank Digital Currencies (e.g., e-CNY).
• Holding recognized security or FinTech certifications (CISP, CISSP, etc.).

Soft Skills:

• Proven track record of building payment systems from 0 to 1, effectively balancing technical stability with business agility.
• Outstanding cross-functional collaboration and communication skills to drive complex payment solutions across business, risk, and compliance domains.