Backend Engineer

KRAFTON INDIA; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

KRAFTON INDIA is seeking a Backend Engineer with fintech and UPI expertise to build and scale our payment infrastructure in Bengaluru. You will work on P2P, P2M, QR, and Autopay flows, integrating with PSPs, banks, and the NPCI UPI stack.

The role focuses on high-throughput microservices, secure payment flows, and end-to-end lifecycle management of transactions within a consumer-scale fintech environment.

Qualifications

• 3–8+ years of backend engineering experience.
• Strong understanding of security in fintech systems.

Responsibilities

• Build and scale UPI payment systems (P2P, P2M, QR, Autopay).
• Integrate with PSPs, banks and NPCI UPI stack.
• Design reliable, fault-tolerant transaction systems (idempotency, retries, reversals).
• Develop low-latency, high-throughput microservices.
• Implement secure payment flows (device binding, authentication, encryption).
• Ensure end-to-end transaction security and data protection.
• Manage transaction lifecycle, logs, and reconciliation.
• Collaborate on integrations with rewards, wallet, and checkout systems.

Skills

Backend engineering

High-scale apps

UPI architecture

Bank/PSP integrations

Fintech security

Data encryption

Reconciliation systems

NPCI knowledge

Job description

[About the role]

We are looking for a skilled Backend Engineer with deep fintech and payments expertise to join our core payments team. In this role, you will be at the heart of building and scaling our UPI payment infrastructure covering P2P, P2M, QR, and Autopay flows and ensuring it operates reliably at consumer scale. You will work directly with PSPs, banks, and the NPCI UPI stack, designing systems that are not just fast and fault-tolerant, but built to handle the nuances of real-world payment flows: idempotency, retries, reversals, and full transaction lifecycle management.

[Key Responsibilities]

• Build and scale UPI payment systems (P2P, P2M, QR, Autopay etc.)
• Integrate with PSP/banks and NPCI UPI stack
• Design reliable transaction systems (idempotency, retries, reversals)
• Develop low-latency, high-throughput microservices
• Implement secure payment flows (device binding, authentication, encryption)
• Ensure end-to-end transaction security and data protection
• Manage transaction lifecycle, logs, and reconciliation
• Collaborate on integrations with rewards, wallet, and checkout systems

[Required Experience]

• 3–8+ years of backend engineering experience
• Experience in high-scale consumer apps
• Strong understanding of UPI architecture & flows
• Experience with bank/PSP integrations
• Solid understanding of security in fintech systems:
• Encryption (data in transit & at rest)
• Experience building scalable, fault-tolerant systems
• Experience with wallets, ledgers, or reconciliation systems
• Familiarity with NPCI certification processes and RBI PPI/wallet guidelines