Backend Engineer

Coins.ph; Taguig; On-site; PHP 1,800,000 - 2,400,000; Full time

Job summary

Coins in the Philippines is seeking a senior Java architect to lead the core cross-border payment platform. You will drive end-to-end delivery, design scalable architectures, and strengthen security and reconciliation across markets.

The role requires deep expertise in payment flows, international rails, and cross-border settlement, with a focus on reliability and regulatory alignment. Join a fast-growing fintech expanding beyond APAC.

Qualifications

• 5+ years of professional Java development with architecture experience.
• 2+ years in technical architecture and distributed system design.
• ≥2 years building payment infrastructure and cross-border platforms.
• Lead developer or architect for end-to-end payment lifecycles.
• Experience with international payment rails and card networks is preferred.

Responsibilities

• Lead architectural design, end-to-end development, and performance optimization of the core cross-border payment platform.
• Architect anti-fund-loss frameworks and automated reconciliation to prevent capital leaks.
• Drive integrations with international payment rails, banking channels, LPMs, and card networks.
• Optimize infrastructure for high availability, low latency, and data consistency.
• Collaborate with risk, finance, compliance, and product teams to improve stability and compliance.

Skills

Java engineering

Distributed systems

Payment infrastructure

Cross-border payments

Leadership

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.

Join the Coins Team Now!

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.