Backend Engineer

Krafton; Bengaluru; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

A technology company is seeking a skilled Backend Engineer with fintech expertise to build and scale UPI payment systems. Responsibilities include integrating with banks and PSPs, designing reliable systems, and managing transaction lifecycles. The ideal candidate should have 3–8+ years of backend engineering experience, especially in high-scale consumer applications. Strong UPI architecture knowledge is mandatory, along with a solid understanding of payment security, including encryption and tokenization.

Qualifications

• 3–8+ years of backend engineering experience.
• Mandatory fintech/payments experience.
• Experience with high-scale consumer apps.

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).
• Implement secure payment flows (device binding, authentication, encryption).
• Manage transaction lifecycle, logs, and reconciliation.

Skills

Backend engineering

Fintech/payments expertise

Microservices development

Security (encryption, tokenization)

UPI architecture

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
• Fintech/payments experience (mandatory)
• 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)
• Tokenization & secure key management
• Authentication & authorization (OAuth/JWT)
• Experience building scalable, fault‑tolerant systems
• Experience with wallets, ledgers, or reconciliation systems
• Familiarity with NPCI certification processes and RBI PPI/wallet guidelines