Sr SW Engineer, Credit Cycle

Job description

About Us Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you. Job Description The Credit Cycle Squad builds the core services that power billing, debt management, and financial transactions across the credit lifecycle. Operating at the heart of a mission‑critical fintech platform, the team ensures secure, scalable, and highly reliable systems. What You'll Do Develop and maintain scalable, reliable, and secure services primarily using Java, deployed on AWS. Own the delivery of clean, efficient, testable, and well‑documented code aligned with the squad’s technical strategy and business goals. Actively participate in all stages of the software development lifecycle, including technical planning, system design, implementation, testing, deployment, and production support. Design and implement scalable microservices architectures, evaluating trade‑offs related to performance, reliability, and maintainability. Write and maintain robust automated tests (unit, integration, performance, and end‑to‑end) to ensure system quality and resilience. Provision, evolve, and maintain cloud infrastructure using Terraform, following Infrastructure as Code best practices. Monitor application health and performance using logs, metrics, alerts, and tracing, proactively identifying and resolving issues in distributed systems. Participate in code reviews, providing thoughtful feedback focused on code quality, architecture, and cross‑domain impact. Collaborate closely with product managers and cross‑functional partners to translate business requirements into effective technical solutions. Contribute to architectural and technical discussions, supporting continuous improvement, scalability, and long‑term platform evolution. Ensure system stability and reliability, supporting incident response and operational excellence practices. Stay up to date with emerging technologies and best practices, contributing insights to squad‑level and collective‑level discussions. Be recognized for delivering high‑quality, impactful technical solutions within the team. This is a remote position. A remote position does not require job duties be performed within proximity of a Visa office location. Remote positions may be required to be present at a Visa office with scheduled notice. #LI‑Remote Qualifications Language Skills Proficiency in English at B1 level or above (Intermediate) Basic Qualifications: 2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience Technical Skills 5+ years of experience as a Software Engineer working in production environments. Strong experience with Java. Advanced Git usage, including resolving complex version control and collaboration scenarios. Solid experience designing and operating microservices architectures in cloud environments. Proven ability to debug and troubleshoot issues in distributed systems. Strong testing expertise, including unit, integration, performance, and end‑to‑end testing. Experience designing and documenting APIs using tools such as Swagger/OpenAPI, flow diagrams, and technical documentation to support DEVEX and external consumers. Proficiency with AWS services such as SQS, SNS, DynamoDB, S3, and EventBridge, building event‑driven and cloud‑native solutions. Experience with Infrastructure as Code and deployment pipelines using tools such as Terraform, ArgoCD, Jenkins, Codefresh, or similar. Advanced usage of Docker and Kubernetes in production environments. Strong knowledge of relational databases and data modeling, with familiarity in non‑relational data strategies. Understanding of CI/CD pipelines, GitOps practices, and observability concepts including monitoring, logging, tracing, and alerting. Ability to actively contribute to technical decision‑making related to scalability, reliability, performance, and system evolution. Preferred Qualifications Experience working with critical or mission‑critical systems. Experience in the Financial Industry or with Payments / Authorization Systems. Familiarity with observability tools and practices for distributed systems. AWS certifications. Experience using AI‑assisted development tools (e.g., Copilot, GPT, Claude) to improve development efficiency and quality. Visa is an EEO Employer Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.