Senior Full Stack Engineer - Payments & ACH (AI-Native)

Profile: Senior Full Stack Engineer - Payments & ACH (AI-Native)

Experience: 7–10 years (Backend-heavy)

Location: Gurgaon

About the Role

We're looking for a Senior Full Stack Engineer with deep backend expertise and hands-on experience building ACH payment systems. You'll work on high-volume payment processing, reconciliation, virtual account ledgering, and event-driven services while leveraging AI-native development tools to build secure, scalable financial infrastructure.

Key Responsibilities

• Design and develop ACH payment workflows, including origination, returns, retries, reconciliation, and ledgering.
• Build and maintain scalable backend services, REST APIs, and microservices.
• Design event-driven architectures using AWS SQS, webhooks, and asynchronous processing.
• Develop and optimize PostgreSQL schemas with a focus on data integrity and performance.
• Build and maintain internal React-based dashboards and operational tools.
• Contribute to CI/CD pipelines, automated testing, and deployment processes.
• Create technical documentation, design documents, and runbooks.
• Collaborate with customers and internal teams to support integrations and troubleshoot production issues.
• Utilize AI-assisted development tools such as Claude Code, Cursor, or similar to improve engineering productivity while maintaining code quality.

Required Skills & Experience

• 7-10 years of software engineering experience with a strong backend focus.
• Hands-on experience with ACH payment processing, reconciliation, returns, retries, or ledgering.
• Strong experience with Node.js, Express.js, NestJS (or Hapi).
• Experience building REST APIs, GraphQL services, microservices, and WebSockets.
• Strong understanding of event-driven architecture, queues, retries, and webhook-based integrations.
• Expertise in PostgreSQL schema design, query optimization, and data integrity.
• Experience with AWS services including Lambda, RDS, SQS, API Gateway, and Secrets Manager.
• Frontend experience with React.js, Next.js, Redux, React Hook Form, TanStack Query, Jest, and Playwright.
• Familiarity with OpenAPI/Swagger, CI/CD, and automated deployments.
• Experience working with AI coding assistants such as Claude Code, Cursor, or similar.

Preferred Qualifications

• Knowledge of NACHA Operating Rules.
• Experience with RTP, FedNow, Wire Payments, or Debit Card payment rails.
• Experience in regulated fintech environments (SOC 2, audit logging, idempotency).
• Previous mentoring or technical leadership experience.