Senior Backend Engineer II - Money

Overview

Senior Backend Engineer II on the Money team, owning backend services behind customer accounts and money movement, including ledger and balances, transfers and payments, bank integrations, interest and statements, and daily processing.

What you'll do

• Design, build and run scalable, secure backend services and APIs for accounts, balances, transfers and payments.
• Own larger features and services end to end, including monitoring, alerting and on-call follow-up.
• Design the ledger and balance logic: double-entry records, holds, available and ledger balances, reversals and complete audit trails.
• Design every money flow for correctness: idempotent requests, clear transaction states, safe retries and handling of unknown results from banks.
• Integrate with banks and payment networks, and make those integrations resilient to timeouts, delays, cut-off times and duplicate or out-of-order messages.
• Build and improve reconciliation, settlement and end-of-day batch processing, and drive root-cause fixes for every mismatch.
• Build risk controls such as transaction limits, velocity checks and fraud rules, with Risk and Compliance.
• Keep services fast and stable during busy periods, such as salary days and month-end, and plan capacity ahead of known peaks.
• Lead design reviews and give thoughtful code reviews.
• Investigate production incidents, run root cause analysis and ship lasting fixes.
• Mentor mid-level engineers and share knowledge within the team.
• Work with Product, Finance, Operations, Risk, Compliance and Security to turn requirements into reliable solutions.

What you'll need

• Bachelor's degree in Computer Science or equivalent practical experience.
• 5+ years of professional backend engineering, with a track record of owning production services that handle money or other critical transactions.
• Strong in Java, Go or another modern backend language.
• Solid understanding of microservices, REST/gRPC APIs, event-driven design, distributed transactions, and reliability and observability practices.
• Hands-on with relational databases (transactions, locking, query tuning), caching (Redis) and messaging (Kafka).
• Working knowledge of ledgers, payment networks, bank integrations and reconciliation, or strong experience in comparable payment or e-wallet systems.
• Experience running services on cloud platforms (GCP or AWS), with containers and CI/CD.
• Ownership mindset and clear communication.

Nice to have

• Experience in banking, payments, e-wallets or another regulated financial environment.

Details

• Locations: Jakarta, Indonesia; Bangkok, Thailand.
• Hybrid work arrangement, enjoying both remote and office working.