Senior Backend Engineer —Payment（PH）

Coins.ph; Taguig; On-site; PHP 2,000,000 - 3,600,000; Full time

Job summary

Coins in Manila is seeking a Senior Java Architect to lead the architectural design, development and optimization of the core cross-border payment system. You will steer the full payment link lifecycle including acquiring, clearing & settlement, and risk controls.

You will collaborate with risk, finance, product and international channels to address high concurrency, data consistency and complex settlement scenarios while driving system stability and security.

Qualifications

• Lead developer/architect for the full link of a payment system.
• Strong anti-fund loss knowledge and practical experience in handling fund loss cases.
• 5+ years of Java development experience and 2 years of architect experience.

Responsibilities

• Design, develop and optimize the core cross-border payment system architecture.
• Lead implementation of the full payment link (acquiring, clearing & settlement, risk control).
• Understand and mitigate fund loss risks with technical solutions (reconciliation, audit).
• Collaborate with risk, finance, product and international channels to improve payment stability and security.
• Handle high concurrency and ensure data consistency across distributed transactions.

Skills

Java

Architecture

Distributed systems

Cross-border payments

Leadership

Tools

Payment gateways

Job description

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

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.