Java Engineer(Payments)

RedotPay · Hong Kong

Job Description

Java-Backend Engineer (Payments) Role Overview: We are looking for a Senior Backend Software Engineer to join our Payments team. You will be responsible for designing and iterating on the core architecture of our payment platform, ensuring high availability, security, and exceptional performance to support our rapidly growing global business. Key Responsibilities: • Core Architecture: Design, develop, and iterate on the core architecture of the payment platform, encompassing acquiring systems, payment routing, clearing and settlement, and refund management. • Channel Management: Architect a highly available payment channel management system. Integrate with banks, third-party payment service providers (PSPs), and international card networks (VISA, MasterCard) to enable smart routing and disaster recovery failover. • Risk & Security: Build robust payment risk engines and security frameworks. Implement transaction anti-fraud measures, risk scoring, and anomaly interception to ensure fund security and compliance (e.g., PCI-DSS, AML). • API & User Experience: Optimize payment workflows and user experiences. Design unified payment APIs/SDKs to support seamless multi-terminal access (App, Web/H5, Mini-programs, POS), maximizing payment success rates and minimizing latency. • Clearing & Reconciliation: Build real-time clearing and reconciliation systems. Enable precise fund accounting, split payments (sub-merchant routing), and cross-institutional reconciliation to ensure 100% accuracy and traceability of fund flows. • Global Expansion: Drive the internationalization of the payment platform. Support multi-currency settlements, cross-border payments, and localized payment methods (e.g., SE Asia e-wallets, US/EU ACH), addressing FX conversion and cross-border compliance. • Cross-functional Collaboration: Partner with Product, Risk, and Compliance teams to define payment strategies. Drive product innovation (e.g., Buy Now Pay Later, payment orchestration) while balancing technical feasibility with business growth.

RedotPay

Hong Kong

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Java Engineer(Payments)

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