Senior Software Engineer

Bolt; California; Hybrid; USD 120,000 - 180,000; Full time

Job summary

Bolt is seeking a backend engineer to build and maintain scalable payment services in California. You will contribute across the payments stack, focusing on multi-seller payouts, MoR capabilities, and high-throughput APIs.

As a technical leader in Payments, you will shape architecture, drive reliability, and mentor peers while ensuring regulatory compliance and strong observability using modern tooling.

Qualifications

• .
• 3+ years backend engineering experience in fintech or payments infrastructure.
• Proficiency in Go, Python, or Java.
• Deep understanding of distributed systems and data consistency patterns.
• Experience with PostgreSQL, DynamoDB, and/or BigQuery.
• Comfort designing APIs for high-volume financial or transactional systems.
• Familiarity with infrastructure as code and CI/CD pipelines (Terraform, GitHub Actions, etc.).

Responsibilities

• Backend Development: Design, develop, and maintain scalable payment services using Go.
• Payments Infrastructure: Build core payment APIs, ledgers, and payout systems.
• Scalability and Reliability: Architect systems for high throughput and fault tolerance across databases.
• Technical Leadership: Guide design reviews, mentoring, and incident response.
• Merchant Enablement: Collaborate with merchant-facing teams on payout requirements and compliance.
• Security and Compliance: Align with PCI DSS, AML, and KYC standards; support fraud prevention.
• API Development: Build REST APIs and webhooks for payouts and multi-party transactions.
• Observability: Use Datadog for health, logging, and alerts.
• Automation and Efficiency: Identify and automate manual payout workflows.

Skills

Go

Python

Java

Distributed systems

APIs design

CI/CD pipelines

Infrastructure as code

Tools

PostgreSQL

DynamoDB

BigQuery

Terraform

GitHub Actions

Job description

Responsibilities:

• Backend Development: Design, develop, and maintain scalable payment services using Go to support Bolt's Connect roadmap, including multi-seller payouts and Merchant-of-Record (MoR) capabilities.
• Payments Infrastructure: Build and evolve core payment APIs, ledgers, and payout systems that enable complex transaction routing across sellers and platforms.
• Scalability and Reliability: Architect systems for high throughput and fault tolerance across PostgreSQL, BigQuery, and Elasticsearch databases.
• Technical Leadership: Serve as a technical leader within the Payments team, guiding design reviews, mentoring peers, and ensuring robust incident response and monitoring.
• Merchant Enablement: Collaborate with merchant-facing teams to understand payout requirements, settlement cycles, and regulatory compliance needs.
• Security and Compliance: Implement systems aligned with PCI DSS, AML, and Know Your Customer (KYC) standards; support fraud prevention and tokenization initiatives.
• API Development: Build and maintain REST APIs and webhooks powering payouts, refunds, and multi-party transactions.
• Observability: Use Datadog for service health, logging, and alerting to maintain visibility and performance across payment systems.
• Automation and Efficiency: Identify manual touchpoints in payout and transaction workflows and automate wherever possible to ensure speed and accuracy.

Requirements:

• 3+ years of backend engineering experience, ideally within fintech or payments infrastructure.
• Proficiency in Go, Python, or Java.
• Deep understanding of distributed systems and data consistency patterns.
• Experience with PostgreSQL, DynamoDB, and/or BigQuery.
• Comfort designing APIs for high-volume financial or transactional systems.
• Familiarity with infrastructure as code and CI/CD pipelines (Terraform, GitHub Actions, etc. ).

Nice to Have:

• Experience with payment processors, ledgers, or marketplace payout systems.
• Familiarity with Kubernetes, AWS, or GCP cloud environments.
• Knowledge of compliance frameworks in fintech (PCI, PSD2, SOC 2, etc. ).
• Experience with event-driven architecture (Kafka, RabbitMQ, etc. ).
• Previous work on multi-tenant or multi-seller platform architectures.