Technical Lead – Backend / Payments

Key Responsibilities

• 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.

• 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).

• Implement best practices for tokenization, encryption, secure key management.

• Ensure compliance with RBI guidelines, KYC flows, audit logs, data privacy and regulatory requirements.

• 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.

What We Offer

• Opportunity to build payments systems at massive scale.

• End-to-end ownership of critical payment pipelines.

• Competitive compensation and performance rewards.

• Health insurance and wellness benefits.

• Work in a fast-paced, collaborative environment.