Senior Backend Engineer —Payment（PH）
TaguigOn-siteFull-time
AI Summary
Senior Backend Engineer for cross-border payment systems. Leads architectural design and implementation of payment links, interfaces with international channels, and anti-fund loss solutions.
About this role
Join the Pioneer Crypto Brand in the Philippines!
Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.
Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.
Responsibilities
- Responsible for the architectural design, development and optimization of the core cross-border payment system; lead the implementation of technical solutions for the full payment link (acquiring, clearing & settlement, risk control, etc.).
- Deeply understand fund loss risks in payment business; design and implement anti-fund loss solutions (e.g., reconciliation system, error handling, fund audit) and avoid potential capital risks through technical means.
- Connect with international payment channels (e.g., credit cards, local payment methods) and handle complex scenarios in cross-border payments such as compliance, exchange rate and settlement.
- Continuously optimize system performance and solve core technical issues including high concurrency, distributed transactions and data consistency.
- Collaborate with risk control, finance, product and other teams to drive the improvement of payment system stability and security.
Requirements
- Proficiency in the core logic and architecture of cross-border payment; with at least one experience as the lead developer and architect for the full link of a payment system.
- Having a clear understanding of anti-fund loss concepts, with practical experience in handling fund loss cases or designing corresponding solutions.
- At least 2 years of experience in the development and maintenance of payment systems.
- Experience in docking with international payment channels is preferred.
- Excellent communication skills and strong sense of ownership & initiative in work.
- At least 5 years of Java development experience and 2 years of architect experience.
Skills
API DesignArchitecture DesignConcurrencyCross-border PaymentsDatabase DesignData ConsistencyDistributed SystemsJavaLink/ISO 20022 Or Equivalent Payment Linking ExperiencePayment Channels IntegrationPayment ProcessingReconcilation SystemsRisk ControlSecurity PracticesSettlementThreat Modeling
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