Senior Backend Engineer — Payment

Own the architectural design, development, and optimization of the core cross-border payment system. Design anti-fund-loss solutions, integrate international payment channels, handle complex cross-border payment scenarios, optimize performance, and improve payment stability and security.

Responsibilities

• Design and develop the architecture of the core cross-border payment system
• Lead technical solutions across acquiring, clearing, settlement, and risk control
• Design and implement reconciliation, error-handling, and fund-audit solutions
• Connect with international payment channels and local payment methods
• Handle compliance, exchange-rate, and settlement scenarios
• Optimize performance and resolve high-concurrency, distributed-transaction, and data-consistency issues
• Collaborate with risk control, finance, and product teams

Requirements

• Proficiency in cross-border payment logic and architecture
• Experience leading development and architecture for a full payment system
• Practical experience with anti-fund-loss concepts and solutions
• At least 2 years of payment-system development and maintenance experience
• International payment-channel integration experience preferred
• Excellent communication skills, ownership, and initiative
• At least 5 years of Java development experience and 2 years of architecture experience