Coins.ph

Digital wallet, bill payments, crypto trading

Senior Backend Engineer-Payment

Backend EngineeringConfirmed live in the last 24 hours

Full-timeTaguig, Metro Manila, PhilippinesNo salary listedHybrid

About the Job

Requirements

Proficiency in the core logic and architecture of cross-border payments, with at least one experience as the lead developer and architect for the full payment link.
Clear understanding of anti-fund-loss concepts, with practical experience handling fund-loss cases or designing corresponding solutions.
At least 2 years of experience developing and maintaining payment systems.
At least 5 years of Java development experience and 2 years of architect experience.
Excellent communication skills and a strong sense of ownership and initiative.

Responsibilities

Design, develop, and optimize the architecture of the core cross-border payment system; lead implementation of technical solutions for the full payment link, including acquiring, clearing and settlement, and risk control.
Understand fund-loss risks in payment business; design and implement anti-fund-loss solutions such as reconciliation systems, error handling, and fund audits to mitigate potential capital risks.
Connect with international payment channels, including credit cards and local payment methods, and handle cross-border payment scenarios involving compliance, exchange rates, and settlement.
Continuously optimize system performance and resolve core technical issues, including high concurrency, distributed transactions, and data consistency.
Collaborate with risk control, finance, product, and other teams to improve payment system stability and security.

Desired Qualifications

Experience connecting with international payment channels.

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.

Join the Coins Team Now!

Meaningful Collaborations - The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth - Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas - Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.

About the Company

Coins.ph

Digital wallet, bill payments, crypto trading

Coins.ph is a digital wallet and financial services platform in the Philippines. It lets users pay bills (utilities, government services, telecom), buy mobile load, and trade cryptocurrencies like Bitcoin, Ethereum, and Bitcoin Cash. The service targets individuals who want an easy way to manage money and pay for services, as well as small businesses that need simple payment workflows. Transactions incur small fees, and Coins.ph earns through partnerships and rebates with service providers. A cardless ATM feature allows cash withdrawals without a physical card. The product is designed to be simple and accessible, aiming to make financial tasks fast and convenient. The company’s goal is to provide seamless, all-in-one financial services that expand access to digital money for Filipinos.

Company size: 201-500
Company stage: Series C
Total funding: $40.1M
Headquarters: Manila, Philippines
Founded: 2014

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