Backend Engineer

Coins.ph; Taguig; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

Coins.ph, a pioneer crypto brand in the Philippines, is seeking a senior Java architect to lead end-to-end development of our cross-border payment platform. You will drive design, delivery, and performance improvements across acquiring, clearing, settlement, and ledger accounting.

You will build robust risk-aware reconciliation systems and work with international rails, banks, and card networks to enable multi-currency settlement.

Qualifications

• 5+ years of professional Java development experience.
• 2+ years in architecture and distributed systems.
• Experience with cross-border payment platforms or similar payment infrastructures.
• Strong understanding of payment APIs and rails.
• Excellent communication and ownership mindset.

Responsibilities

• Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform.
• Architect robust anti-fund-loss and automated reconciliation systems to minimize leaks and risk.
• Spearhead integrations with international payment rails, banks, LPMs, and major card networks.
• Optimize infrastructure for high availability and low latency across distributed transactions.
• Collaborate with risk, finance, compliance, and product teams to improve stability and compliance.

Skills

Java

Distributed systems

Cross-border payments

Payments APIs

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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing 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.