JOB DESCRIPTION

Powering the world's payments ecosystem

ACI powers the payments ecosystem globally, and you power ACI. You'll innovate, collaborate, and grow in an energetic technology culture with decades of proven success. ACIers at every level are empowered to make a meaningful impact while working on solutions that process billions of transactions worldwide.

As a Software Engineer in India, you will join a diverse and passionate engineering team responsible for delivering highly reliable card and merchant payment solutions that serve financial institutions across the globe.

About the Role

Join ACI's Card & Merchant Management (CMM) engineering team and help build, enhance and support mission-critical payment solutions used by leading financial institutions worldwide. This role combines deep Mainframe and COBOL expertise with modern software engineering practices to deliver scalable, secure and highly reliable card payment processing solutions.

You will work on complex payment systems that process high volumes of transactions while contributing to product innovation, quality, operational excellence and AI-driven engineering practices.

Key Responsibilities

Design, develop, test and maintain high-quality software solutions.
Develop and support COBOL, JCL, DB2 and VSAM-based applications on IBM Mainframe platforms.
Participate in architecture reviews, design discussions and code reviews to ensure engineering excellence.
Develop and execute automated unit, integration and regression tests.
Investigate, diagnose and resolve customer-reported issues and production incidents.
Collaborate closely with Product Management, Professional Services, Support and other engineering teams.
Contribute to technical documentation, solution designs and product specifications.
Support Agile delivery processes and actively participate in sprint planning, estimation and retrospectives.
Drive continuous improvement in performance, resiliency, maintainability and operational excellence.
Leverage AI-assisted engineering tools to improve development efficiency, quality and productivity.#

Required Skills & Experience

3+ years of software development experience.
Strong expertise in COBOL, JCL and DB2 development.
Good experience using Linux or Unix platforms.
Unix shell scripting.
Willingness to learn, both old and new technologies, to solve problems and take the product in new directions
Experience using AI-powered development tools (e.g., GitHub Copilot, ChatGPT, Claude or similar) to improve engineering productivity, code quality, testing and problem-solving.
Hands-on IBM Mainframe development experience.
Experience with Git or similar source control systems.
Strong debugging, analytical and problem-solving skills.
Experience working in Agile software development environments.
Familiarity with AI tools and their application within software development workflows.
Excellent written and verbal communication skills.

Preferred Skills

Knowledge of card issuing, acquiring and/or interchange processing.
Java development experience.
VSAM knowledge and experience.
Ability to effectively apply AI solutions to software development, testing, automation and operational workflows.
Experience working with high-volume, mission-critical transaction processing systems.
Experience supporting performance engineering, resiliency and operational excellence initiatives.
Familiarity with cloud-hosted payment platforms and modernisation of legacy systems.
Experience working within regulated financial services environments.

Core Capabilities

We seek colleagues who embody ACI's core capabilities and contribute to our innovative engineering culture:

Ensure Accountability: Hold yourself and others accountable to meet commitments.
Drives Results: Consistently achieve results, even under challenging circumstances.
Customer Focus: Build strong customer relationships and deliver customer-centric solutions.
Cultivate Innovation: Create new and better ways for the organization to succeed.
Collaborates: Build partnerships and work effectively across teams and geographies.
Courage: Step up to address difficult issues and say what needs to be said.

AI Readiness

At ACI, AI is becoming an integral part of our engineering culture. Successful candidates should demonstrate curiosity, adaptability, and practical application of AI technologies in software engineering. Candidates should be prepared to discuss:

How they currently use AI tools in their development workflow.
Examples of AI-assisted coding, testing, automation, or problem-solving.
Their approach to responsible and effective AI adoption.
Opportunities they see for leveraging AI to improve engineering productivity and software quality.

Work Authorization

Applicants must be currently authorized to work in India on a full-time basis. This position does not offer sponsorship for employment visa status now or in the future.

Why Join ACI

In return for your expertise, we offer opportunities for growth, career development, and a competitive compensation and benefits package within an innovative and collaborative work environment.

Are you ready to help us transform the payments ecosystem To learn more about ACI Worldwide, visit our web site at

Important Notice About Recruitment Scams
Job seekers should be aware of ongoing recruitment scams where individuals or organizations impersonate legitimate companies to offer fake job opportunities. These scams often involve requests for personal information, payments, or interviews through unofficial channels. Please be cautious and verify any communications claiming to be from our company ( / @aciworldwide.com). The ACI Worldwide recruitment team will always follow official channels and will never request payment.

Software Engineer (Unix, Linux and Mainframe or COBOL)