Responsibilities
- Design, build, and maintain scalable, fault-tolerant payments infrastructure capable of handling millions of transactions per day.
- Integrate and manage multiple payment gateways (Razorpay, Stripe, PayU, Paytm, Cashfree, PhonePe, etc. ).
- Architect systems for high availability, low-latency routing, retries, idempotency, and reconciliation.
- Own end-to-end transaction lifecycle - authorization, capture, refunds, settlements, chargebacks.
- Build robust transaction pipelines with monitoring, alerting, fallback mechanisms, fraud detection hooks, and circuit breakers.
- Optimize backend services for performance, cost, observability, and reliability.
- Drive architecture decisions for scaling payments globally (multi-region, multi-gateway routing).
- Implement best practices for tokenization, encryption, secure key management.
- Ensure compliance with RBI guidelines, KYC flows, audit logs, data privacy and regulatory requirements.
- Work closely with product, finance, risk, compliance, and customer support teams.
- Collaborate with data, analytics, and fraud teams to build transaction insights and ML-based risk models.
- Mentor backend engineers and drive engineering excellence in the team.
Requirements
- 5+ years of backend engineering experience with at least 2+ years in payments systems.
- Strong expertise in payment gateways, transaction flows, settlements, reconciliation, and payout systems.
- Solid programming skills in any backend language
- Hands-on experience with: Microservices architecture, REST/gRPC APIs, Message queues/streams (Kafka, RabbitMQ, SQS, Celery), SQL and NoSQL databases.
- Strong understanding of: Idempotency, retries, ordering, distributed locks, High-performance transactional systems, Event-driven architectures.
- Basic Knowledge of services on cloud such as: Lambda, API Gateway, RDS, DynamoDB, S3 CloudWatch.
- Deep knowledge of payments lifecycle: auth, capture, refund, settlement, chargeback.
Preferred Skills
- Experience with UPI, wallets, subscription billing, mandate flows, payouts.
- Understanding of fraud detection systems, rule engines, velocity checks.
- Experience designing reconciliation systems and ledger systems.
- Exposure to fintech, OTT, e-commerce, or high-volume consumer apps.
- Contributions to open-source fintech/payments frameworks.
Preferred Tools And Technologies
- Backend: Python(Django/Flask/FastAPI).
- Streaming: Kafka, SQS, Celery.
- Databases: PostgreSQL, MongoDB/DocumentDB, Redis.
- Version Control: Git
Education
- Bachelor's or Master's in Computer Science, Engineering, or equivalent.
This job was posted by Saurabh Bassi from KuKu FM.
