Senior Backend Engineer —Payment（PH）

Job description

***Join the Pioneer Crypto Brand in the Philippines!*** Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services. Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank. ### Responsibilities - Responsible for the architectural design, development and optimization of the **core cross-border payment system**; lead the implementation of technical solutions for the full payment link (acquiring, clearing & settlement, risk control, etc.). - Deeply understand fund loss risks in payment business; design and implement anti-fund loss solutions (e.g., reconciliation system, error handling, fund audit) and avoid potential capital risks through technical means. - Connect with international payment channels (e.g., credit cards, local payment methods) and handle complex scenarios in cross-border payments such as compliance, exchange rate and settlement. - Continuously optimize system performance and solve core technical issues including high concurrency, distributed transactions and data consistency. - Collaborate with risk control, finance, product and other teams to drive the improvement of payment system stability and security. ### Requirements - Proficiency in the core logic and architecture of **cross-border payment**; with at least one experience as the lead developer and architect for the full link of a payment system. - Having a clear understanding of anti-fund loss concepts, with practical experience in handling fund loss cases or designing corresponding solutions. - At least **2 years of experience** in the development and maintenance of payment systems. - Experience in docking with **international payment channels** is preferred. - Excellent communication skills and strong sense of ownership & initiative in work. - At least **5 years of Java development experience** and **2 years of architect experience**.