Tech Lead (Payment Gateway & Digital Payment Systems)

SingaPay; Tangerang; On-site; IDR 600,000,000 - 900,000,000; Full time

Job summary

SingaPay in Indonesia is seeking a Senior Backend Architect to lead the design and development of scalable payment platforms supporting Money-In and Money-Out flows.

You will mentor engineers, define architectural standards, and collaborate with Product, QA, DevOps, and Security to deliver reliable fintech solutions with strong security and compliance.

Proficiency with Golang and/or PHP/Laravel, microservices, PostgreSQL, Kafka, and secure API integrations is required.

Qualifications

• Proven leadership experience in fintech or payment systems.
• Strong people management and mentoring abilities.
• Excellent cross-functional collaboration and communication.

Responsibilities

• Lead technical design and architecture of payment gateways.
• Define scalable architectures for Money-In and Money-Out.
• Set coding standards and architectural principles across the team.
• Oversee transaction processing, ledger, reconciliation, and settlements.
• Ensure idempotency, data consistency, and secure communications.
• Guide reviews and mentor engineers; collaborate with Product, QA, DevOps, Security.

Skills

Leadership

Mentoring

Communication

Tools

Golang

PHP/Laravel

PostgreSQL

Kafka

RabbitMQ

Redis

REST APIs

OAuth2/JWT

Job description

• Strong experience in software engineering, with a proven track record of designing, developing, and maintaining production-grade financial technology or payment systems.
• Hands-on experience in a technical leadership role, including system architecture, technical decision-making, code reviews, and mentoring engineering teams.
• Strong backend development experience using Golang and/or PHP/Laravel, with the ability to evaluate and implement scalable backend architectures.
• Proven experience building or architecting payment gateways, e-wallets, payment switching systems, digital payment platforms, or other transaction-heavy fintech applications.
• Strong understanding of end-to-end payment processing, including:
• Money-In: Virtual Accounts (VA), QRIS, Payment Links, bank transfers, payment gateways, and switching integrations.
• Money-Out: Bank transfers, disbursements, PPOB, QRIS, payment gateways, and switching integrations.
• Deep understanding of financial transaction processing, including wallet architecture, ledger management, balance integrity, idempotency, transaction consistency, duplicate transaction prevention, and reversal handling.
• Experience with payment reconciliation, settlement, refunds, transaction monitoring, and exception handling.
• Strong understanding of payment integration standards, RESTful APIs, authentication, authorization, OAuth2, JWT, webhooks, and secure API communication.
• Experience designing distributed systems, microservices, event-driven architectures, and asynchronous processing using technologies such as Kafka, RabbitMQ, and Redis.
• Strong database design and optimization skills, particularly with PostgreSQL, MySQL, or other transactional databases.
• Experience designing systems for high availability, scalability, fault tolerance, disaster recovery, and production resilience.
• Strong understanding of application security, data protection, access controls, audit trails, and secure handling of financial transactions.
• Ability to diagnose complex production incidents, identify root causes, and implement long-term technical solutions.
• Strong communication and collaboration skills, with the ability to work closely with Product, QA, DevOps, Security, and other stakeholders.

What You'll Do

• Lead the technical design, architecture, and development of payment gateway and digital payment systems.
• Define scalable and maintainable system architectures that support Money-In, Money-Out, payment processing, and financial transaction management.
• Establish engineering standards, coding guidelines, architectural principles, and best practices across the development team.
• Oversee the implementation of critical payment components, including transaction processing, ledger management, reconciliation, settlement, refunds, and payment status tracking.
• Ensure transaction integrity and reliability through appropriate architectural controls, including idempotency, consistency management, retry mechanisms, and failure recovery.
• Design and optimize distributed systems, databases, caching, and asynchronous messaging to support transaction-heavy workloads.
• Lead technical reviews, troubleshoot complex system issues, and guide the team in resolving production incidents.
• Mentor developers, review code, improve engineering capabilities, and promote effective collaboration within the team.
• Work closely with Product, QA, DevOps, Security, and business stakeholders to translate business requirements into technical solutions.
• Drive continuous improvements in system performance, reliability, security, maintainability, and development efficiency.
• Evaluate new technologies and make technical decisions based on scalability, security, business needs, and long-term maintainability.

Preferred Qualifications

• Previous experience leading engineering teams in a payment gateway, e-wallet, digital banking, payment switching, or fintech company.
• Proven experience designing or scaling payment systems handling real-world financial transactions in production.
• Experience integrating with banks, payment service providers, QRIS providers, switching networks, and other financial institutions.
• Understanding of Indonesian payment ecosystem requirements and relevant regulatory or security considerations.
• Experience with cloud infrastructure, CI/CD pipelines, containerization, Kubernetes, and observability tools.
• Experience working in regulated financial environments with strict transaction reliability, auditability, and security requirements.