Software Engineer (Open Banking) - 1-2 years exp - GenAI, Java

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

When you join Visa, you become part of a culture of purpose and belonging—where your growth is a priority, your identity is embraced, and your work matters. Your contributions will directly impact billions of people worldwide, unlocking financial access and enabling the future of money movement.

Team Overview

Tink, delivering Open Banking Solutions as a part of Visa, is building an open banking platform that enables banks, fintech and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe & US. Our solutions are ready-to-go products, each developed to solve specific problems and bring value to both businesses and their customers.

As part of the initiative, we are building Visa’s Open Banking engineering team in Bangalore—designed from the ground up to be AI-first. Every engineer in this team will work in close collaboration with Generative AI agents as development companions, leveraging Visa’s extensive portfolio of AI models, tools, and experimentation platforms. This AI-augmented approach will supercharge every stage of the engineering lifecycle—from solution design and code generation to testing, deployment, monitoring, and continual service improvement—enabling us to deliver innovative, high-quality connectivity solutions at unprecedented speed and scale.

Role Overview

As a Software Engineer in this team, you will:

• Build high-performance, scalable APIs integrating with both documented and undocumented banking interfaces.
• Co-develop integrations / features side-by-side with GenAI agents to dramatically increase speed-to-market and code quality.
• Operate in a true DevOps model—owning build, deploy, and maintain responsibilities in the cloud.
• Continuously experiment with Visa’s rich portfolio of Generative AI models (transformers, LLMs, GANs, VAEs, multimodal models) and cutting-edge AI tools for production and innovation.
• Deliver new features on a rapid cadence (every few days).

What You Will Do

• AI-Powered Development

  • Partner with GenAI agents for code generation, refactoring, and automated testing.
  • Experiment in Visa’s AI sandbox, where multiple GenAI models and frameworks are available for employee-driven innovation.

• Open Banking Integrations

  • Build components integrating with banks’ APIs to aggregate and enrich consumer financial data.
  • Handle high-load systems with stringent uptime requirements.
  • Work with Visa’s Tink technologies stack: Java, Node.js, JavaScript, AWS, Kubernetes, Docker, SQL, Datadog and much more.

• Cloud-Native DevOps

  • End-to-end delivery: build, deploy, monitor, and maintain services in AWS/Kubernetes/Docker environments.
  • Implement CI/CD pipelines, infrastructure-as-code, and automated observability using Datadog and related tooling.
  • Participate in on-call rotations to ensure high availability and operational excellence.

• Collaboration

  • Work alongside like‑minded engineers and contribute to AI-first engineering culture—sharing learnings from model experimentation.

What we offer you

VISA offers you a dynamic work environment where you can grow and develop your skills, with opportunities for career advancement. You will have the opportunity to work with cutting-edge technology and innovative solutions. This together with a team of experienced professionals who are passionate about creating products that make a difference.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

Qualifications

We are looking for a Software Engineer with experience of building innovative and scalable products. You understand the trade-offs of speed vs quality on technical decisions and look at problems from different angles. You also invest time in your own, and the team's development to build up your overall knowledge.

We would like you to have:

• Bachelor Degree in Computer Science or related field or with a Masters Degree and at least 12 months - 24 months of Software Development Experience.
• Proven experience working with Java technologies
• Experience with Generative AI:
  • Understanding / application of NLP, multimodal AI, and AI-powered developer tools in production systems.
  • Exposure to prompt engineering and tooling orchestration for AI agents in enterprise environments, ensuring reproducibility and compliance.
• Experience with cloud-native DevOps:
  • AWS, Kubernetes, Docker, CI/CD pipelines, infrastructure-as-code
• Experience in agile product-centric environments.

Nice-to-have:

• Operational excellence & incident response experience.
• Financial API integration experience.
  

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.