Senior Software Engineer, Cross-Border Payment Systems

Tencent; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Tencent is seeking a Senior Software Engineer to own the bank integration layer of a high-scale payment network. You will architect global gateways, drive resilient design, and lead AI-enabled tooling to accelerate development velocity and reliability.

The role requires deep Java/Spring Boot expertise, conformance to secure-by-design principles, and mentorship to peers across cross-border teams.

Qualifications

• 5+ years in high-throughput banking/payments environments.
• Deep knowledge of ISO 20022/SWIFT messaging and FX lifecycles.
• Expert in Java, Spring Boot, and distributed systems.

Responsibilities

• Architect global connectivity and design high‑availability banking gateways.
• Drive 99.99% availability with advanced distributed patterns.
• Lead AI-driven tooling to improve SDLC, testing, and ops.
• Own security handshake architecture protecting global transactions.
• Provide technical leadership and mentor junior engineers.

Skills

Java & Spring Boot

Concurrency & distributed systems

ISO 20022/SWIFT

OAuth2 & Mutual TLS

AI in SDLC

Tools

Kafka

RocketMQ

MySQL

Job description

Business Unit

Corporate Development Group (CDG) as the platform for the company's new business incubation and new business exploration, CDG is responsible for promoting development and innovation for important areas such as financial technology and advertising, as well as marketing services, including payment and financial applications. As a professional support platform, CDG also supports the company and various business groups in strategic planning, investments and mergers, investor relations and corporate global communications, marketing and public relations, and more.

Business Unit

Corporate Development Group (CDG) as the platform for the company's new business incubation and new business exploration, CDG is responsible for promoting development and innovation for important areas such as financial technology and advertising, as well as marketing services, including payment and financial applications. As a professional support platform, CDG also supports the company and various business groups in strategic planning, investments and mergers, investor relations and corporate global communications, marketing and public relations, and more.

What The Role Entails

Position Overview

Join our core R&D platform to architect the future of global value movement. As a Senior Software Engineer, you won't just write code—you will own the bank integration layer of a high-scale payment network. You will be a technical "force multiplier," leading the charge in integrating AI-driven engineering (Agents and LLMs) into our core workflows.

• Architect Global Connectivity: Lead the end-to-end design of high-availability integration gateways, standardizing diverse banking protocols into a unified, scalable global network.
• Engineer Resilience: Drive 99.99% system availability by implementing advanced distributed patterns (Idempotency, Circuit Breakers, State Machines) to ensure zero-duplicate transaction processing at massive scale.
• Innovate with AI: Spearhead the adoption of AI-powered tools and autonomous agents to step-change our development velocity, automated testing, and operational reliability.
• Security & Integrity: Own the mission-critical security handshake architecture that protects the financial integrity of every global transaction.
• Technical Leadership: Set the bar for engineering excellence through rigorous design reviews, mentoring junior talent, and evolving our cross-border engineering culture.

Who We Look For

• Fintech Mastery: 5+ years in high-throughput banking/payments. Deep knowledge of ISO 20022/SWIFT and the technical orchestration of FX lifecycles (Locked-in vs. Real-time rates).
• Technical Depth: Expert-level Java & Spring Boot proficiency with a focus on concurrency and distributed systems (Kafka, RocketMQ, MySQL optimization).
• Security Expertise: Proven experience with "compliant by design" architecture, including OAuth2, Mutual TLS, and digital signatures.
• AI-Forward Mindset: A proactive interest in utilizing AI Agents to optimize the software development lifecycle (SDLC).

Equal Employment Opportunity at Tencent

As an equal opportunity employer, we firmly believe that diverse voices fuel our innovation and allow us to better serve our users and the community. We foster an environment where every employee of Tencent feels supported and inspired to achieve individual and common goals.