Backend Architect - Pay&Card Tech

Job description

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world. **About the Team** The Binance Pay&Card team is revolutionizing the way people transact and manage their finances globally. Binance Pay is a cutting-edge payment solution that enables users to send, receive, and pay with crypto seamlessly. Join us to be part of a dynamic team driving the future of digital payments and financial technology. **Role Overview** As a Backend Architect on the Pay&Card Team, you will be responsible for architecting and building card-related systems end to end. You will work closely with cross-functional teams to design scalable, secure, and compliant infrastructure that supports card systems and lifecycle management. ### Responsibilities - Architect, build, and maintain backend systems for card issuing and card lifecycle management - Lead the technical design and implementation of card certification processes (Visa, MasterCard, Apple Pay / Google Pay onboarding programs) - Define and drive the system architecture, service boundaries, and integration patterns for card platform services - Ensure system reliability, scalability, and compliance with payment network standards - Collaborate with product, compliance, and engineering teams to translate business requirements into technical specifications - Establish engineering best practices, code quality standards, and technical documentation for the team - **Work hands-on — this is a builder role, not a pure advisory position** ### Requirements - 8+ years of backend engineering experience with strong Java / Spring expertise - Direct experience building or maintaining a card system - Experience with card certification processes and/or card onboarding programs - Strong system design and architecture skills, with experience in distributed systems and high-throughput payment infrastructure - Understanding of card network standards, payment flows, and compliance requirements ### Preferred Qualifications - Experience at a fintech, startup, or crypto company that has issued cards - Familiarity with card lifecycle management, tokenization, and payment gateway integrations - Experience working in agile, fast-paced environments with short release cycles