Senior Backend Engineer —Payment（PH）

Coins.Ph; Manila; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

Coins.Ph in the Philippines is seeking a Senior Java Architect to lead the design, development and optimization of the core cross-border payment system. You will drive technical solutions for the full payment link (acquiring, clearing & settlement) and partner with risk, finance and product teams to improve stability and security.

The role requires strong Java development experience (5+ years) and at least 2 years as an architect, plus hands-on experience with international payment channels and

Qualifications

• At least 5 years of Java development and 2 years as an architect.
• 2+ years in development and maintenance of payment systems.
• Experience docking with international payment channels preferred.
• Excellent communication and strong sense of ownership & initiative.

Responsibilities

• Architectural design, development and optimization of the core cross-border payment system.
• Lead the implementation of technical solutions for the full payment link (acquiring, clearing & settlement, risk control).
• Understand fund loss risks in payment business; design anti-fund loss solutions.
• Connect with international payment channels and handle complex cross-border scenarios in payments.
• Collaborate with risk control, finance, product and other teams to improve system stability and security.
• Resolve high-concurrency, distributed transactions and data consistency challenges.

Skills

Cross-border payment architecture

Java development

International payment channels

Anti-fund loss design

System optimization

Ownership & initiative

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.

• Responsible for the architectural design, development and optimization of the core cross-border payment system; lead the implementation of technical solutions for the full payment link (acquiring, clearing & settlement, risk control, etc.).
• Deeply understand fund loss risks in payment business; design and implement anti-fund loss solutions (e.g., reconciliation system, error handling, fund audit) and avoid potential capital risks through technical means.
• Connect with international payment channels (e.g., credit cards, local payment methods) and handle complex scenarios in cross-border payments such as compliance, exchange rate and settlement.
• Continuously optimize system performance and solve core technical issues including high concurrency, distributed transactions and data consistency.
• Collaborate with risk control, finance, product and other teams to drive the improvement of payment system stability and security.

• Proficiency in the core logic and architecture of cross-border payment; with at least one experience as the lead developer and architect for the full link of a payment system.
• Having a clear understanding of anti-fund loss concepts, with practical experience in handling fund loss cases or designing corresponding solutions.
• At least 2 years of experiencein the development and maintenance of payment systems.
• Experience in docking with international payment channelsis preferred.
• Excellent communication skills and strong sense of ownership & initiative in work.
• At least 5 years of Java development experienceand 2 years of architect experience.

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.

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