Senior Software Engineer, Open Banking

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters - to you, to your community, and to the world.

Progress starts with you.

Team Overview

Tink, delivering Open Banking Solutions as a part of Visa, is building an open banking platform that enables banks, fintech and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe & US. Our solutions are ready-to-go products, each developed to solve specific problems and bring value to both businesses and their customers.

As part of the initiative, we are building Visa's Open Banking engineering team in Bangaloredesigned from the ground up to be AI-first. Every engineer in this team will work in close collaboration with Generative AI agents as development companions, leveraging Visa's extensive portfolio of AI models, tools, and experimentation platforms. This AI-augmented approach will supercharge every stage of the engineering lifecyclefrom solution design and code generation to testing, deployment, monitoring, and continual service improvementenabling us to deliver innovative, high-quality connectivity solutions at unprecedented speed and scale.

Role Overview

As a Software Engineer in this team, you will:

• Build high-performance, scalable APIs integrating with both documented and undocumented banking interfaces.
• Co-develop integrations / features side-by-side with GenAI agents to dramatically increase speed-to-market and code quality.
• Operate in a true DevOps modelowning build, deploy, and maintain responsibilities in the cloud.
• Continuously experiment with Visa's rich portfolio of Generative AI models (transformers, LLMs, GANs, VAEs, multimodal models) and cutting-edge AI tools for production and innovation.
• Deliver new features on a rapid cadence (every few days) with end-to-end accountability.

What You Will Do

• AI-Powered Development
  • Partner with GenAI agents for code generation, refactoring, and automated testing.
  • Experiment in Visa's AI sandbox, where multiple GenAI models and frameworks are available for employee-driven innovation.
  • Apply Generative AI models to API integration challenges, anomaly detection, and intelligent automation.
• Open Banking Integrations
  • Build components integrating with banks APIs to aggregate and enrich consumer financial data.
  • Handle high-load systems with stringent uptime requirements.
  • Work with Visa's Tink technologies stack: Java, Node.js, JavaScript, AWS, Kubernetes, Docker, SQL, Datadog and much more.
• Cloud-Native DevOps
  • Own end-to-end delivery: design, build, deploy, monitor, and maintain services in AWS/Kubernetes/Docker environments.
  • Implement CI/CD pipelines, infrastructure-as-code, and automated observability using Datadog and related tooling.
  • Participate in on-call rotations to ensure high availability and operational excellence.
• Collaboration & Mentorship
  • Coach junior engineers, especially in leveraging AI engineering assistants.
  • Contribute to AI-first engineering culturesharing learnings from model experimentation.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Basic Qualifications:

2 or more years of work experience with a Bachelor's Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)

Preferred Qualifications:

3 or more years of work experience with a Bachelor's Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD)

Bachelor degree in Computer Science or related field and at least 4-8 years of Software Development Experience or a Masters with at least 2-8 years of Software Development Experience.

We are looking for a Senior Software Engineer with experience of building innovative and scalable products. You understand the trade-offs of speed vs quality on technical decisions and look at problems from different angles. You also invest time in your own, and the team's development to build up your overall knowledge.

Extensive experience working with Java, Node.js and JavaScript

Experience with Generative AI:

Understanding of transformers, GANs, VAEs, and other generative architectures.

Application of NLP, multimodal AI, and AI-powered developer tools in production systems.

Practical exposure to prompt engineering and tooling orchestration for AI agents in enterprise environments, ensuring reproducibility and compliance.

Experience with cloud-native DevOps:

AWS, Kubernetes, Docker, CI/CD pipelines, infrastructure-as-code

Experience in agile product-centric environments with rapid iteration cycles.

Operational excellence & incident response experience.

Financial API integration experience.

Experience mentoring engineers in AI-assisted development.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.