Detailed Job Description – Full Stack Engineer – Payments

Experience: 6+ Years

Location: Hyderabad

Employment Type: Full-Time

Role: Senior Full Stack Engineer – Payment Systems

Job Summary

We are looking for an experienced Senior Full Stack Engineer with strong expertise in payment systems, Java/backend development, REST APIs, microservices, distributed systems, and modern frontend technologies.

The ideal candidate should have hands-on experience working with Wire, ACH, and RTP payment systems, along with a strong understanding of backend processing, concurrency, thread-safe programming, event-driven architectures, and API integrations.

The role involves developing scalable and resilient payment applications across the full technology stack, including backend services, APIs, event-driven components, and frontend applications using Angular, React, or Vue. Experience with Kubernetes, Docker, APIC, and spec-driven development is highly desirable.

Key Responsibilities

1. Payment Systems Development

Design, develop, and maintain applications supporting Wire, ACH, and RTP payment processing.
Understand and implement end-to-end payment transaction workflows.
Develop solutions for payment initiation, validation, processing, routing, status management, exceptions, and reconciliation.
Handle transaction failures, retries, reversals, duplicate transactions, and timeout scenarios.
Ensure payment applications are reliable, scalable, secure, and performant.
Collaborate with payment-domain SMEs and product teams to translate business requirements into technical solutions.

2. Backend Development

Design and develop robust backend services using modern programming languages and frameworks.
Build scalable backend processing components for high-volume financial transactions.
Develop reusable business logic and service components.
Implement appropriate error handling, validation, logging, and monitoring.
Optimize backend services for performance, scalability, and reliability.
Participate in code reviews and ensure adherence to enterprise coding standards.
Troubleshoot complex production and application issues.

3. API & Microservices Development

Design and develop RESTful APIs and microservices.
Build scalable and loosely coupled services using microservices architecture.
Develop API contracts, request/response models, validation, and error-handling mechanisms.
Integrate internal and external payment systems through APIs.
Work with APIC (API Connect) and related API management/integration capabilities.
Implement API security, authentication, authorization, rate limiting, and versioning.
Ensure APIs are backward compatible and meet performance requirements.
Support API monitoring, troubleshooting, and production operations.

4. Distributed Systems & Concurrency

Design and develop highly available distributed applications.
Apply strong understanding of distributed systems concepts to payment-processing solutions.
Design applications to handle high transaction volumes and concurrent requests.
Implement thread-safe and concurrency-aware solutions.
Identify and resolve race conditions, deadlocks, synchronization issues, and resource contention.
Apply appropriate concurrency patterns and synchronization mechanisms.
Design resilient systems capable of handling partial failures and service dependencies.
Implement appropriate retry, timeout, circuit breaker, and fallback strategies.
Ensure transaction processing maintains consistency and integrity across distributed services.

5. Event-Driven Architecture

Design and develop event-driven payment processing solutions.
Implement asynchronous communication between microservices and enterprise systems.
Work with messaging/event-streaming platforms where applicable.
Design reliable event-processing workflows.
Handle duplicate events, retries, ordering, idempotency, and failure scenarios.
Ensure asynchronous processing meets business and transaction-processing requirements.
Contribute to modernization of traditional synchronous applications into event-driven architectures.

6. Frontend Development

Develop responsive and user-friendly web applications using modern frontend technologies.
Work with one or more of:
Angular
React
Vue.js
Integrate frontend applications with REST APIs and backend microservices.
Implement reusable UI components and application workflows.
Handle client-side validation, error handling, and API integration.
Work closely with UX/UI teams and backend engineers.
Ensure applications meet performance, security, accessibility, and usability standards.

7. Containerization & Kubernetes

Containerize applications using Docker.
Deploy and manage microservices in Kubernetes-based environments.
Work with Kubernetes concepts including:
Pods
Deployments
Services
ConfigMaps
Secrets
Ingress
Scaling
Troubleshoot application and container-related issues.
Support deployment, configuration, scaling, and monitoring of applications.
Work with platform/DevOps teams to improve containerized application delivery.

8. APIC & Enterprise Integrations

Develop and maintain integrations using API Connect (APIC).
Configure and consume APIs across internal and external systems.
Support API gateway and integration requirements.
Collaborate with integration teams to troubleshoot API connectivity and transaction issues.
Ensure APIs follow enterprise security, governance, and design standards.
Support integration between payment systems, microservices, databases, and third-party platforms.

9. Spec-Driven Development

Apply spec-driven development practices where applicable.
Translate functional and technical specifications into API contracts, implementation tasks, and test scenarios.
Work with OpenAPI/Swagger specifications and contract-first API development.
Ensure API implementations remain aligned with approved specifications.
Collaborate with product, architecture, and QA teams to identify gaps between specifications and implementation.
Promote reusable API contracts and consistent development standards.

10. Testing & Quality

Develop unit, integration, API, and end-to-end tests.
Validate payment transaction flows across multiple services.
Implement automated testing practices to improve regression coverage.
Test concurrency, performance, resiliency, and failure scenarios.
Validate API contracts and integration points.
Participate in code reviews and quality improvement initiatives.
Troubleshoot defects across frontend, backend, API, and infrastructure layers.

11. DevOps & Production Support

Collaborate with DevOps/SRE teams on application deployment and production operations.
Participate in CI/CD processes and automated deployments.
Support application monitoring, logging, and troubleshooting.
Analyze production incidents and perform root cause analysis.
Implement improvements to application reliability and operational efficiency.
Support release activities, deployment validation, and rollback procedures.

12. Security & Reliability

Follow secure coding and secure API development practices.
Protect sensitive financial and customer data.
Implement authentication and authorization mechanisms.
Ensure appropriate access controls and data protection.
Design applications for high availability and fault tolerance.
Implement resiliency patterns for payment processing.
Ensure applications meet enterprise security, compliance, and reliability requirements.

Required Skills & Qualifications

Must-Have

6+ years of professional software development experience.
Strong experience with payment systems, particularly:
Wire
ACH
RTP
Strong experience developing REST APIs and microservices.
Strong understanding of distributed systems.
Strong understanding of concurrency and thread-safe design.
Hands-on experience with backend processing and high-volume transaction systems.
Experience with event-driven architecture.
Hands-on experience with Docker and Kubernetes.
Experience with API Connect (APIC) or equivalent API management platforms.
Experience with at least one modern frontend framework:
Angular
React
Vue.js
Strong troubleshooting and problem-solving skills.

Preferred Skills

Experience with spec-driven/contract-first development.
OpenAPI/Swagger.
Kafka or other event-streaming platforms.
Spring Boot/Spring Cloud or equivalent microservices frameworks.
SQL and relational databases.
NoSQL databases.
Redis or distributed caching.
CI/CD tools such as Jenkins, GitHub Actions, GitLab, or Harness.
Cloud platforms such as AWS, Azure, or GCP.
Observability tools for logs, metrics, and distributed tracing.
Experience with high-volume financial transaction processing.
Knowledge of payment messaging standards and formats.

Payment Domain Knowledge

The candidate should understand the fundamentals of payment transaction processing, including:

Wire Payments

Payment initiation and validation.
Transaction routing and processing.
Status tracking and exception handling.
Reversals and transaction failures.

ACH

ACH transaction lifecycle.
Payment validation and processing.
Returns and exceptions.
Batch and transaction processing concepts.

RTP

Real-time payment processing.
Low-latency transaction processing.
Real-time validation and response.
Timeout, retry, and failure handling.
High-availability requirements.

Full Stack Engineer Payments