Backend Engineer

[About the role]
We are looking for a skilled Backend Engineer with deep fintech and payments expertise to join our core payments team. In this role, you will be at the heart of building and scaling our UPI payment infrastructure covering P2P, P2M, QR, and Autopay flows and ensuring it operates reliably at consumer scale. You will work directly with PSPs, banks, and the NPCI UPI stack, designing systems that are not just fast and fault-tolerant, but built to handle the nuances of real-world payment flows: idempotency, retries, reversals, and full transaction lifecycle management.

[Key Responsibilities]

• Build and scale UPI payment systems (P2P, P2M, QR, Autopay etc.)
• Integrate with PSP/banks and NPCI UPI stack
• Design reliable transaction systems (idempotency, retries, reversals)
• Develop low-latency, high-throughput microservices
• Implement secure payment flows (device binding, authentication, encryption)
• Ensure end-to-end transaction security and data protection
• Manage transaction lifecycle, logs, and reconciliation
• Collaborate on integrations with rewards, wallet, and checkout systems

[Required Experience]

• 3–8+ years of backend engineering experience
• Fintech/payments experience (mandatory)
• Experience in high-scale consumer apps
• Strong understanding of UPI architecture & flows
• Experience with bank/PSP integrations
• Solid understanding of security in fintech systems:
• Encryption (data in transit & at rest)
• Tokenization & secure key management
• Authentication & authorization (OAuth/JWT)
• Experience building scalable, fault-tolerant systems
• Experience with wallets, ledgers, or reconciliation systems
• Familiarity with NPCI certification processes and RBI PPI/wallet guidelines