Full Stack Engineer – Payments

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.