Staff Software Engineer, Card Issuing and Payments

Responsibilities

• Define and drive the technical strategy for Issuing, including multi-year architecture decisions across backend services, APIs, and user-facing surfaces.
• Own end-to-end technical solutions for authorization flows, spending controls, cardholder management, card program configuration, and other critical systems.
• Lead infrastructure investments supporting geographic expansion, new card program types, and platform extensibility.
• Collaborate with product, design, and cross-functional teams across Issuing, Authorization, Clearing and Settlement, and Balances.
• Make build-versus-reuse decisions and create technical roadmaps balancing near-term delivery with long-term platform health.
• Advise engineering and product leadership on technical trade-offs and business implications.
• Drive engineering standards, tooling improvements, and operational rigor.
• Mentor senior engineers and support technical leadership development.
• Scope, design, build, and maintain APIs, services, and large-scale systems handling billions of money movement requests.
• Debug and resolve critical production issues across services and stack layers.
• Lead cross-functional engineering projects from requirements and architecture through delivery and post-launch iteration.

Requirements

• 10+ years of industry software engineering experience, with demonstrated staff-level impact across multiple teams or systems.
• Experience designing and shipping large-scale user-facing products with highly available, financially correct distributed backend systems.
• Strong API design skills and the ability to create developer-friendly interfaces for complex financial and regulatory requirements.
• Ability to influence technical direction and align multiple teams without direct authority.
• Excellent written and verbal communication with technical and non-technical audiences.
• High ownership and comfort defining ambiguous problems and solutions.

Nice-to-haves

• Experience with real-time transaction processing systems requiring strict latency and correctness, including authorizations, payments, ledgering, or settlement.
• Familiarity with card network protocols, BIN sponsorship models, or issuing bank integrations such as Visa or Mastercard.
• Experience designing systems for regulated financial services, including compliance, audit trails, financial controls, KYC, or KYB.
• Background in embedded finance, card-as-a-service, or Banking-as-a-Service platforms.
• Experience with high-volume event-driven architectures and their reliability and consistency trade-offs.
• Experience mentoring senior engineers and contributing to engineering hiring and culture.