Backend Engineer

Coins.xyz Brasil; Indonesia; Hybrid; IDR 351,699,888 - 703,399,776; Full time

Benefits offered by this job

Meaningful Collaborations

Scalable Growth

A Space For Bright Ideas

Job summary

Coins in the Philippines is seeking a Backend Architect to lead the architectural design and end-to-end development of the core cross-border payment platform. You will manage the full payment lifecycle, including acquiring, clearing, settlement, and ledger accounting.

You will collaborate with risk, finance, compliance, and product teams to optimize stability, security, and performance across multi-currency settlements and international payment rails.

Qualifications

• 5+ years of professional Java development experience.
• At least 2 years in technical architecture and distributed systems.
• 2+ years building and maintaining payment infrastructure.
• Led end-to-end lifecycle for core payment platform.
• Experience with international payment rails and banking APIs.
• Strong ownership and proactive problem-solving.

Responsibilities

• Lead architectural design and end-to-end development of the cross-border payment platform.
• Develop anti-fund-loss frameworks, automated reconciliation, and audits.
• Integrate with international payment rails, banks, LPMs, and card networks.
• Optimize infrastructure for high availability and low latency.
• Collaborate with risk, finance, compliance, and product teams.

Skills

Java development

Distributed system design

Payment infrastructure

Cross-border payments

API integrations

Communication skills

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.

Location

Taguig City, Metro Manila, Philippines / Malaysia / Indonesia

Position

Technology – Backend

Employment Type

Full‑time Employee

Work Arrangement

Hybrid

Responsibilities

• Lead the architectural design, end‑to‑end development, and performance optimisation of the core cross‑border payment platform, managing the full payment lifecycle including acquiring, clearing, settlement, and ledger accounting.
• Architect robust anti‑fund‑loss frameworks by analysing transaction risks and designing automated reconciliation engines, exception‑handling systems, and continuous fund audits to eliminate financial leaks and capital exposure.
• Spearhead integrations with international payment rails, banking channels, local payment methods (LPMs), and major credit card networks, designing configurations to handle complex cross‑border variables such as localized compliance, dynamic FX rates, and multi‑currency settlement.
• Continuously optimise system infrastructure to guarantee high availability, low latency, and operational efficiency, solving critical distributed system challenges involving massive concurrency and strict data consistency.
• Partner closely with risk management, corporate finance, compliance, and product teams to drive continuous improvements in payment system stability, security, and financial compliance.

Qualifications

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

Benefits

• Meaningful Collaborations – Work cross‑functionally with other relevant teams to implement solutions that improve and create impact on customer experience.
• Scalable Growth – Be part of a fast‑growing organization with the vision to expand its territories outside APAC, providing opportunities for career advancement.
• A Space For Bright Ideas – Bring data‑backed ideas to transform into meaningful changes, supported by a culture that welcomes and welcomes new ideas.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analysing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.