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GoTymeX

Phygital digital banking for consumers

Junior Product Engineer

Full-TimeUpdated on 10/17/2026
No salary listed
Junior
Ho Chi Minh City, Vietnam
Hybrid
Software EngineeringFull-Stack Engineering

About the job

Requirements
  • At least 2 years of backend engineering experience, particularly with Java.
  • Strong hands-on experience with AWS, including designing and deploying scalable systems, working with core services such as EC2, S3, RDS, and Lambda, and building cloud-native architectures.
  • Experience with agentic coding, such as building or working with AI-driven or automated coding systems.
  • Understanding of system architecture principles, with experience contributing to technical solutions and implementation decisions.
  • Proficiency with Claude Code or another autonomous-capable coding agent, and comfort integrating AI tools into the development workflow.
  • Ability to speak directly with customers or subject matter experts and ask questions to understand their needs.
  • Fluency in English, including the ability to explain technical concepts clearly to teammates and stakeholders.
  • Familiarity with automated testing frameworks.
  • Experience building simple apps with AI tools, experimenting with MCP servers, and familiarity with prompt and context engineering.
Responsibilities
  • Lead adoption of an AI-first approach, using AI tools and prompt engineering to automate work and improve time-to-value.
  • Question requirements to identify what is needed and ensure the team builds the right solutions.
  • Collaborate with an AI-first product development team to build and scale enterprise financial products.
  • Take end-to-end ownership of the product, design systems to satisfy customers, and validate assumptions using data-driven insights.
  • Lead product development from concept through deployment, continuously testing, learning, and improving the product.
  • Own the full product lifecycle, including prioritizing, defining, designing, building, testing, and running the product.
Desired Qualifications
  • Understanding of systems thinking.
  • Experience with behavior-driven development.

About the company

GoTymeX provides the technology and product engine for Tyme Group’s digital banks in emerging markets. It designs, builds and operates consumer and SME digital banks through a phygital model that blends an app-based banking platform with a network of retail kiosks. It runs licensed banks in South Africa and the Philippines and scales via partnerships, offering a unified platform across multiple markets. Its goal is to expand access to digital banking in emerging markets by extending its model to more countries and serving tens of millions more customers.

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Singapore

Founded

2019

Simplify Jobs

Simplify's Take

What believers are saying

  • Tyme Group reached 23 million customers and 95 million monthly transactions by July 2026.
  • GoTyme Bank crossed 10 million users and ₱53 billion deposits by July 2026.
  • Euromoney named GoTyme Best Digital Bank for Consumers in July 2026.

What critics are saying

  • GoTyme still depends on parent capital injections after July 2026 and April 2025 top-ups.
  • MariBank Philippines entered in 2026, and BSP raised digital-bank licenses to ten.
  • Cross-border expansion across Vietnam, India, and China adds execution risk across regulatory regimes.

What makes GoTymeX unique

  • GoTymeX powers multi-country banking from one platform across South Africa and the Philippines.
  • GoTyme’s phygital kiosks and mall agents lower acquisition costs versus app-only rivals.
  • Apple Pay, Wise remittances, and remittance campaigns deepen product breadth fast.

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Benefits

  • Health Insurance
  • Meal Benefits
  • Paid Vacation
  • Paid Sick Leave
  • Performance Bonus
  • Company Equity

Company News

DealStreetAsia
Jul 4th, 2026
JV partners inject fresh capital into PH digibank GoTyme

The latest infusion follows a $10.4m capital injection in April last year

Innovation Village
Nov 27th, 2025
Tyme Group partners with Visa to drive financial inclusion across emerging markets

Tyme Group partners with Visa to drive financial inclusion across emerging markets. The Tyme Group, owner of TymeBank, South Africa's first profitable digital bank, has announced a new multi-year, multi-market partnership with Visa aimed at accelerating financial inclusion and digital payment innovation in South Africa, Southeast Asia, and beyond. TymeBank, launched in February 2019, has grown into South Africa's third-largest bank by customer base, serving 11 million customers. The bank boasts R7 billion in deposits, a network of 1,000 kiosks, and 15,000 retail points nationwide. While Tyme started as a South African venture, the group - now headquartered in Singapore - expanded to the Philippines in 2022 and operates a technology and product development hub in Vietnam, where it plans to launch a new bank. Across all markets, Tyme serves 20 million customers.

Bob Reyes
Jun 29th, 2025
Tyme Group, GoTyme Bank's Major Shareholder, Named to TIME's 100 Most Influential Companies of 2025

Tyme Group, the major shareholder behind the Philippines' rapidly expanding GoTyme Bank, has been named to TIME Magazine's 2025 list of the 100 Most Influential Companies in the World.