Backend Engineer

Coins.ph; Indonesia; On-site; IDR 1,946,558,000 - 2,831,357,000; Full time

Job summary

Coins.ph is seeking a Senior Architect to lead the architectural design, development, and optimization of a cross-border payment platform. You will drive end-to-end delivery, ensure scalability, and implement robust security and reconciliation mechanisms.

The role requires deep expertise in Java, distributed systems, and payment infrastructure, with a track record of delivering payment platforms that integrate with international rails and currency settlement.

Qualifications

• 5+ years of professional Java development experience.
• 2+ years in technical architecture and distributed system design.
• 2+ years building and maintaining payment infrastructure.

Responsibilities

• Lead architectural design, end-to-end development, and optimization of cross-border payment platform.
• Architect robust risk mitigation, automated reconciliation, and fund audits.
• Integrate with international payment rails, banking APIs, and local payment methods.
• Collaborate with risk, finance, compliance, and product teams to improve stability and compliance.
• Communicate effectively and take ownership of technical problems.

Skills

Java development

Distributed systems

Payment infrastructure

Cross-border payments

Communication

Job description

Join the Pioneer Crypto Brand in the Philippines!

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

Responsibilities

• System Architecture & Delivery: Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform. Spearhead technical implementations across the full payment lifecycle, including acquiring, clearing, settlement, and ledger accounting.

• Capital Security & Risk Mitigation: Architect robust anti-fund-loss frameworks by deeply analyzing transaction risks. Design and deploy automated reconciliation engines, sophisticated exception-handling systems, and continuous fund audits to structurally eliminate financial leaks and capital exposure.

• Global Channel Integration: Spearhead integrations with international payment rails, banking channels, local payment methods (LPMs), and major credit card networks. Architect configurations to seamlessly handle complex cross-border variables, including localized compliance, dynamic exchange rates (FX), and multi-currency settlement.

• Performance & Scalability Optimization: Continuously optimize system infrastructure to guarantee high availability, low latency, and operational efficiency. Solve critical distributed system challenges involving massive concurrency, distributed transactions, and strict data consistency.

• Cross-Functional Collaboration: Partner closely with risk management, corporate finance, compliance, and product teams to drive continuous improvements in payment system stability, security, and financial compliance.

Responsibilities

• 5+ years of professional, hands-on Java development experience, with at least 2+ years dedicated to technical architecture and distributed system design.

• At least 2+ years of specialized experience in building and maintaining payment infrastructure, with deep proficiency in the core logic, architecture, and transaction flows of cross-border payment platforms.

• Proven track record of serving as the lead developer or architect for the end-to-end lifecycle of a core payment platform (covering acquiring, clearing, or settlement).

• Strong understanding of capital protection frameworks. Possesses practical experience in diagnosing fund-loss incidents or designing automated mitigation systems (such as high-speed reconciliation engines or fund audits).

• Prior experience handling integrations with international payment rails, banking APIs, localized payment methods (LPMs), and credit card networks is highly preferred.

• Excellent communication skills with a strong sense of ownership, accountability, and a proactive approach to technical problem-solving.

Meaningful Collaborations - The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth - Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas - Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.