EY Payment Product Full-Stack Engineer 

India, Karnataka, Bengaluru 

302730682

Description:

We are seeking a Payment Product Full-Stack Engineer to design and develop robust applications for payment architectures and core processing solutions. You will play a crucial role in supporting the technical aspects of product development and implementation. You will ensure that development aligns with architecture and design guidelines, focusing on security, resiliency, performance, observability, and operability. You will work closely with product management, engineering, and customer support teams to ensure that products meet technical specifications and customer requirements. Your responsibilities will include assisting in product design, development, testing, and troubleshooting, as well as providing technical support to internal teams and customers. Proficiency in Java, modern front-end technologies, and cloud deployments will be essential for driving innovation and enhancing user experiences.

Experience Level:

• 5-8 years of software development experience in product engineering within the payment and financial industry.
• Strong expertise in Java (8+), Spring Boot, REST APIs, and Microservices.
• Strong problem-solving skills and a product mindset.
• Expertise in front-end technologies: HTML, CSS, JavaScript, and React/Angular.
• Experience designing components for distributed transaction engines and payment processing, including APIs and tokenization.
• Prioritize outcomes over output—solve real user problems, not just deliver code.
• Hands-on experience with cloud deployments.
• Solid understanding of Java design patterns, data structures, and algorithms.
• Familiarity with NoSQL databases and distributed messaging systems (e.g., Redis, Kafka, Couchbase, Cassandra) in high-transaction environments.
• Backend experience with Apache Cassandra and relational databases (Oracle, PostgreSQL).
• Experience in Cloud deployments including GCP.
• Expertise in application design, software development, and automated testing.
• Familiarity with Agile methodologies and experience in Scrum teams.

Domain Requirement:

• Functional and technical understanding of payments architecture design, integration patterns (API, ESB, Batch File) and core processing solutions.
• Familiarity with basic payment hub architecture and surrounding systems.
• Familiarity with integration formats (ISO 20022, 8583, Swift, FIX) and payment regulations (FiDA, DORA, PSD2, GDPR).
• Understanding of the payment ecosystem (orchestrators, PSPs, issuers, acquirers) and payment processing infrastructure (POS, gateways).
• Knowledge of cross-border payments and regulatory frameworks (SEPA, BASEL, PCI DSS) is desirable.
• Familiarity with payments messaging standards (NACHA, ISO 8583, ISO 20022, SWIFT).
• Strong understanding of payment systems and industry trends (digital payments, payment gateways).

Key Responsibilities:

• Design, develop, test, and deploy high-quality software solutions.
• Lead architecture and design discussions for scalable and maintainable systems.
• Align engineering efforts with business and customer priorities.
• Collaborate with cross-functional teams to gather technical requirements and specifications.
• Collaborate with product managers, designers, and other developers to define and deliver features.
• Conduct product testing, validation, and troubleshooting to ensure functionality and performance.
• Prepare and maintain technical documentation, including user manuals, specifications, and training materials.
• Participate in product demonstrations and training session.
• Review code and provide constructive feedback to team members.
• Troubleshoot and resolve technical issues across the stack.
• Ensure best practices in software development, including CI/CD, testing, and documentation.
• Stay current with emerging technologies and propose their adoption when appropriate.
• Mentor and guide junior developers and contribute to team knowledge sharing.
• Should be able to contribute as a technical developer individually.

Qualifications:

• Bachelor’s or Master’s degree in Computer Science, Engineering, or a related field like MSC Computers or MCA
• 5+ years of professional software development experience.
• Good understanding of product development processes and technical specifications.
• Strong understanding of software architecture, design patterns, and data structures.
• Experienced in software development, coding, or engineering tools.
• Ability to work collaboratively in a team environment or contribute individually.
• Eagerness to learn and adapt to new technologies and challenges.
• Experience with cloud platforms (e.g., Google CP) and containerization (e.g., Docker, Kubernetes).
• Familiarity with Agile/Scrum methodologies.

Soft Skills:

• Leadership and mentoring capabilities.
• Strong analytical, critical thinking and problem-solving skills.
• Adaptability and eagerness to learn.
• Team-oriented with a proactive attitude.
• Excellent communication and interpersonal skills.

EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.