Technical Lead - Backend / Payments

Key Responsibilities:

Payment Systems Architecture & Development

• Design, build, and maintain scalable, fault-tolerant payments infrastructure capable of handling millions of transactions per day.
• Integrate and manage multiple payment gateways (Razorpay, Stripe, PayU, Paytm, Cashfree, PhonePe, etc.).
• Architect systems for high availability, low-latency routing, retries, idempotency, and reconciliation.
• Own end-to-end transaction lifecycle authorization, capture, refunds, settlements, chargebacks.

Systems Reliability & Scaling

• Build robust transaction pipelines with monitoring, alerting, fallback mechanisms, fraud detection hooks, and circuit breakers.
• Optimize backend services for performance, cost, observability, and reliability.
• Drive architecture decisions for scaling payments globally (multi-region, multi-gateway routing).

Compliance, Security & Governance

• Implement best practices for tokenization, encryption, secure key management.
• Ensure compliance with RBI guidelines, KYC flows, audit logs, data privacy and regulatory requirements.

Cross-Functional Collaboration

• Work closely with product, finance, risk, compliance, and customer support teams.
• Collaborate with data, analytics, and fraud teams to build transaction insights and ML-based risk models.
• Mentor backend engineers and drive engineering excellence in the team.

Required Technical Skills:

• 5+ years of backend engineering experience with at least 2+ years in payments systems.
• Strong expertise in payment gateways, transaction flows, settlements, reconciliation, and payout systems.
• Solid programming skills in any backend language
• Hands-on experience with:
• Microservices architecture
• REST/gRPC APIs
• Message queues/streams (Kafka, RabbitMQ, SQS, Celery)
• SQL and NoSQL databases
• Strong understanding of:
• Idempotency, retries, ordering, distributed locks
• High-performance transactional systems
• Event-driven architectures
• Basic Knowledge of services on cloud such as:
• Lambda, API Gateway, RDS, DynamoDB, S3, CloudWatch
• Deep knowledge of payments lifecycle: auth, capture, refund, settlement, chargeback.

Preferred Skills:

• Experience with UPI, wallets, subscription billing, mandate flows, payouts.
• Understanding of fraud detection systems, rule engines, velocity checks.
• Experience designing reconciliation systems and ledger systems.
• Exposure to fintech, OTT, e-commerce, or high-volume consumer apps.
• Contributions to open-source fintech/payments frameworks.

Preferred Tools & Technologies:

• Backend: Python(Django/Flask/FastAPI)
• Streaming: Kafka, SQS, Celery
• Databases: PostgreSQL, MongoDB/DocumentDB, Redis
• Version Control: Git

Education:

• Bachelor’s or Master’s in Computer Science, Engineering, or equivalent.