Senior Backend Engineer —Payment（PH）

Coins.ph; Taguig; 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 design, lead and optimize the core cross-border payment system. You will own technical direction for the full payment link, ensure scalability, security and reliability across acquiring, clearing and settlement.

The ideal candidate has at least 5 years of Java development and 2 years in architecture, experience with international payment channels, and strong ownership to deliver impactful solutions in a fast-growing fintech.

Qualifications

• Experience with cross-border payment systems and international channels.
• Strong Java development background with architecture responsibilities.
• Proven leadership as a lead developer/architect on payment links or similar platforms.

Responsibilities

• Design, develop and optimize the core cross-border payment system.
• Lead implementation of payment link solutions (acquiring, clearing, settlement, risk control).
• Collaborate with risk, finance, product and other teams to enhance stability and security.
• Ensure scalability, high concurrency handling and data consistency.

Skills

Cross-border payments

Java development

System architecture

Lead developer

Communication

Education

Bachelor's degree in CS/SE or related field

Tools

Payment systems

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

• 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.

Requirements

• 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 experience in the development and maintenance of payment systems.
• Experience in docking with international payment channels is preferred.
• Excellent communication skills and strong sense of ownership & initiative in work.
• At least 5 years of Java development experience and 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.