Full-Time

Lead AI Systems Engineer

Artificial Intelligence

Payoneer

Payoneer

1,001-5,000 employees

Global payment platform for cross-border transactions

No salary listed

Noida, Uttar Pradesh, India

In Person

Category
Software Engineering (2)
,
Required Skills
LLM
gRPC
Kubernetes
Pinecone
Microsoft Azure
Python
JavaScript
MySQL
Github Actions
Software Testing
Postgres
GraphQL
Docker
RAG
TypeScript
Microservices
AWS
Go
Jenkins
Terraform
Redis
Observability
MongoDB
REST APIs
LangChain
Google Cloud Platform
Requirements
  • Bachelor’s or Master’s degree in Computer Science, or a related field.
  • Candidates without a degree but with a compelling portfolio demonstrating scope and impact at staff/lead level will be considered.
  • 6 – 8 years of professional software engineering experience in product-focused environments.
  • Minimum 2 years in a formal or de-facto technical lead / staff engineer capacity across multiple squads or systems.
  • Minimum 8-12 months of active, hands-on experience with AI coding tools in a professional engineering setting.
  • Proven track record of shipping production systems with measurable business impact at scale.
  • Demonstrated experience collaborating closely with ML/AI model teams on integration, deployment, and evaluation.
  • Languages: Expert proficiency in at least two of — Python, TypeScript/JavaScript, Go.
  • Architecture: Microservices, event-driven systems, API design (REST, GraphQL, gRPC), distributed systems fundamentals.
  • Databases: SQL (PostgreSQL, MySQL) and NoSQL (MongoDB, Redis); vector databases (FAISS, Pinecone, Weaviate).
  • Cloud: AWS, GCP, or Azure — compute, storage, serverless, managed ML services (SageMaker, Vertex AI).
  • DevOps: Docker, Kubernetes, CI/CD (GitHub Actions, Jenkins); IaC (Terraform/Pulumi); observability stacks.
  • Testing: TDD/BDD; unit, integration, and e2e frameworks; model evaluation pipelines.
  • Demonstrated proficiency with AI coding assistants (Cursor IDE, Claude Code, Codex CLI) in daily professional workflows.
  • Experience designing and consuming LLM/SLM inference APIs; understanding of model serving, latency, and cost trade-offs.
  • Hands-on familiarity with RAG architectures, vector stores, and retrieval pipelines.
  • Ability to define and enforce AI code quality standards across an engineering team.
  • Understanding of LLM limitations: hallucinations, context window constraints, prompt injection risks, and licensing considerations.
Responsibilities
  • Define and own the end-to-end technical architecture for AI Systems — spanning product feature surfaces, model inference APIs, and agentic toolchains.
  • Drive Architecture Decision Records (ADRs), system design reviews, and RFC processes across squads.
  • Establish standards for integrating SLM/LLM model endpoints into product surfaces built by the Senior Engineering team.
  • Evaluate emerging AI infrastructure patterns (RAG, agentic orchestration, vector stores, model serving) and guide adoption decisions.
  • Own the technical roadmap for AI tooling, developer productivity, and model integration layers.
  • Act as the primary technical liaison between the AI/ML Developer (model side) and Senior Engineers (product side), ensuring smooth API contracts, evaluation loops, and deployment handoffs.
  • Provide technical direction to Agentic Systems interns, reviewing designs, code, and agentic pipeline implementations.
  • Unblock senior engineers on hard architectural or integration challenges that span squad boundaries.
  • Run cross-team design reviews, architecture syncs, and engineering guild sessions.
  • Define and maintain the organisation’s standards for AI-assisted development — covering context engineering, AI code review protocols, context management, and tool evaluation criteria.
  • Maintain and evolve the internal AI tooling playbook (Cursor IDE, Claude Code, Codex CLI, and emerging tools).
  • Evaluate new AI coding tools, agentic frameworks (LangChain, LlamaIndex, CrewAI, AutoGen), and developer-productivity platforms; produce adoption recommendations with measured trade-offs.
  • Conduct structured audits of AI-generated code across squads for correctness, security, and maintainability.
  • Remain an active contributor: own critical-path features, prototype architectural spikes, and build shared infrastructure components used across squads.
  • Personally drive resolution of the most complex production incidents and root-cause analyses.
  • Review and merge high-impact PRs; maintain the highest code review quality bar on the team.
  • Own observability and reliability for AI inference and MLOps integration layers in production.
  • Mentor Senior Engineers, the AI/ML Developer, and interns through technical coaching, design feedback, and stretch assignments.
  • Lead hiring panels and technical interviews; help define and uphold the engineering hiring bar.
  • Contribute to onboarding frameworks that embed AI-first practices from day one.
  • Model a culture of rigorous experimentation, psychological safety, and continuous improvement.
  • Partner with the Director of Engineering and Product leadership to translate product strategy into a phased technical roadmap.
  • Present architectural proposals and trade-off analyses to engineering leadership and executive stakeholders as required.
  • Coordinate with DevOps/Platform teams on GPU/TPU compute provisioning, CI/CD for model pipelines, and cloud cost optimisation.
Desired Qualifications
  • Experience with SLM/LLM training or fine-tuning pipelines (SFT, RLHF, LoRA/QLoRA).
  • Familiarity with agentic frameworks (LangChain, LlamaIndex, AutoGen, CrewAI) and multi-step reasoning pipelines.
  • Contributions to open-source ML or developer tooling projects.
  • Knowledge of OWASP Top 10, secure coding, and AI-specific security risks (prompt injection, model exfiltration).
  • Prior experience in a high-growth startup or scale-up environment with rapid iteration cycles.

Payoneer provides a global payment platform that helps businesses send and receive money across borders in multiple currencies. It works by giving businesses accounts and payment tools that let them pay suppliers and get paid by customers as if they were local, instead of using costly international wire transfers. It also connects users to major online marketplaces to expand sales opportunities. Compared with traditional banks and other fintechs, Payoneer focuses on reducing transfer fees and simplifying cross-border transactions through a multi-currency account and marketplace connections. The company’s goal is to enable easy, low-cost international payments to support global business expansion.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

New York City, New York

Founded

2005

Simplify Jobs

Simplify's Take

What believers are saying

  • B2B volume surges 44% in Q1 2026, driving 23% SMB revenue to $64 million.
  • India Payment Aggregator authorization enables high-growth market expansion.
  • Boundless strengthens Europe presence post-January 2026 $13M acquisition.

What critics are saying

  • Stripe migration erodes checkout revenue within 6-12 months.
  • Interest income declines from hedging slash non-fee margins immediately.
  • China SMB volumes shrink permanently due to tariffs and LianLian competition.

What makes Payoneer unique

  • Payoneer integrates EOR via Boundless acquisition for compliant European hiring.
  • Payoneer partners with Bridge for direct stablecoin payment capabilities.
  • Payoneer offers AI-driven credit up to $10M through FundPark for merchants.

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Benefits

Health Insurance

Dental Insurance

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401(k) Retirement Plan

401(k) Company Match

Paid Vacation

Paid Sick Leave

Parental Leave

Wellness Program

Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Mar 18th, 2026
Payoneer adds AI-driven credit lines up to $10M for cross-border merchants via FundPark partnership

Payoneer Global has partnered with Hong Kong-based FundPark to offer AI-driven credit lines up to $10 million for eligible cross-border e-commerce customers, aiming to better align financing with working capital cycles. The collaboration marks Payoneer's push into higher-value services beyond its core payment rails. Separately, the company filed a $79.16 million shelf registration in March 2026 for 17.4 million shares related to employee stock ownership plans. The FundPark partnership could strengthen Payoneer's move towards premium services, though it introduces fresh regulatory and credit scrutiny around embedded lending. Analysts project the company's revenue to reach $1.3 billion by 2028. The collaboration represents a strategic shift as Payoneer seeks to deepen relationships with small and medium businesses whilst facing intensifying competition in cross-border payments.

Yahoo Finance
Mar 17th, 2026
Payoneer stock at $4.60 shows promise while Sabre and Real Brokerage face headwinds

Payoneer, a financial technology company enabling cross-border payments for small and medium-sized businesses, stands out as a strong buy amongst stocks trading under $10. Trading at $4.60 per share, the company has delivered outstanding annual revenue growth of 26.3% over the past five years, reflecting significant market share gains. The company's earnings per share growth of 24.6% annually over the last two years has exceeded revenue gains, amplified by share repurchases that have enhanced shareholder returns. Founded in 2005 to address international payment challenges during e-commerce's early days, Payoneer provides services that allow businesses to send and receive global payments. Meanwhile, Sabre and The Real Brokerage face headwinds, with concerns around cash generation, margins and debt levels suggesting investors should exercise caution.

Yahoo Finance
Mar 13th, 2026
Benchmark cuts Payoneer price target to $7 from $10 amid declining interest income concerns

Benchmark has cut its price target on Payoneer Global Inc. to $7 from $10 whilst maintaining a Buy rating. The firm noted that investor focus on declining interest income from customer funds has overshadowed the company's strengthening fundamentals and strategic initiatives, with shares trading near multi-year lows. Payoneer reported fiscal Q4 results on 26 February, with small and medium-sized business customer revenue of $197 million, up 9% year-over-year. Spend on Payoneer cards reached $1.6 billion, rising 6% year-over-year, though growth with large e-commerce sellers slowed to 15% due to tariff-related headwinds and softness in Latin America. The financial technology company provides cross-border payment solutions enabling SMBs to transact globally.

Yahoo Finance
Mar 5th, 2026
Payoneer misses Q4 revenue estimates despite 27% B2B growth and upmarket push

Payoneer reported fourth-quarter revenue of $274.8 million, missing analyst estimates of $281.6 million despite a 5% year-on-year increase. The fintech company's shares dropped sharply following the results. CEO John Caplan attributed growth to the company's shift towards larger, more complex customers and deeper business-to-business penetration. B2B revenue rose 27% year-over-year and now represents 30% of revenue excluding interest. Management emphasised improving average revenue per user through prioritising higher-value clients over volume. The company issued 2026 EBITDA guidance of $280 million at the midpoint, below analyst estimates of $283.9 million. CFO Bea Ordonez acknowledged some softening in small and medium business volumes, particularly from China, but said guidance accounts for various macro scenarios. Market capitalisation stands at $1.65 billion.

Yahoo Finance
Feb 27th, 2026
Payoneer posts $275M Q4 revenue, guides $900M–$940M for 2026 amid Stripe checkout migration

Payoneer Global reported record fourth-quarter revenue of $275 million and adjusted EBITDA of $69 million, representing a 25% margin. Full-year 2025 revenue excluding interest income grew 14%, with total adjusted EBITDA of $272 million and free cash flow of $146 million. Business-to-business operations drove growth, with B2B revenue now comprising approximately 30% of total revenue. Average revenue per user excluding interest expanded, and larger customers accounted for the majority of growth. For 2026, management projects revenue excluding interest of $900–$940 million, representing roughly 12% growth at the midpoint, and core adjusted EBITDA of $85–$95 million. The company is migrating its checkout business to Stripe, launching stablecoin capabilities with Bridge, and implementing an AI-first strategy whilst hedging approximately half of customer funds to protect interest income.