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.