Staff Software Engineer (Card Authorization & ISO 8583 Platform)

Netspend, India (Noida)

The role

We are seeking a hands-on Staff Software Engineer to take ownership of our core card authorization platform. This high-throughput, low-latency platform processes real-time debit and prepaid transactions over ISO 8583 for major networks including Visa, Mastercard, Pulse, and Fiserv. Because every request operates under strict latency budgets, high availability, and PCI DSS compliance, every millisecond counts—and every failure carries direct financial impact.

What you need

Must-have skills & experience

Experience & Leadership: 10–15 years of software engineering experience, including 3+ years leading engineering teams or driving technical architecture.
Core Java Mastery: Expert-level proficiency in Java (11/17+), deep understanding of java.util.concurrent, JVM internals, garbage collection tuning, and memory analysis.
Spring Framework: Extensively hands-on with Spring Boot and Spring Cloud microservices (Config, OpenFeign, Actuator, Security).
Distributed Transactions & Systems: Proven expertise in transaction management trade-offs (2PC/XA vs. Saga pattern, outbox pattern, idempotent consumers/producers, and delivery semantics).
Database & RDBMS: Deep relational database skills (Oracle preferred), including JDBC transaction isolation, SELECT ... FOR UPDATE, deadlock analysis, and SQL query tuning.
Messaging & Event Streaming: Real-world experience with event-driven architectures using Apache Kafka (Avro, Schema Registry) and/or JMS (ActiveMQ).
System Resilience: Hands-on experience implementing resilience frameworks (Resilience4j or similar) for high-availability systems running thousands of TPS.
DevOps & Quality: Practical experience with CI/CD pipelines (GitLab CI/Jenkins), Gradle, static code/security analysis (SonarQube, SAST, Trivy), and test automation frameworks (JUnit 5, Mockito).
Communication: Exceptional verbal and written communication skills with a proven ability to translate complex technical trade-offs for engineers, product leads, and executive leadership.

Good-to-have skills

jPOS Framework: Experience with ISOMsg, custom packagers, channels (PostChannel, BaseChannel), ISOMUX/QMUX, ISOServer, and Q2 configuration.
ISO 8583 Specifications: Hands-on experience with Visa Base I, Mastercard MIP/Debit, Pulse, or Fiserv STAR/Accel specifications (messages 0100/0110, 0200/0210, 0400/0420, 0800 network management, DE55 EMV TLV data).
Observability Tools: Advanced usage of Dynatrace (PurePath, Smartscape, DQL) and Splunk (SPL query generation, alerting, dashboards).
Advanced Concurrency: In-depth familiarity with ReentrantLock, StampedLock, distributed locks (ShedLock, Redisson), Java 21 Virtual Threads, and Micrometer metrics integration.
Card Payments Domain: Understanding of EMV chip/contactless flows, stand-in processing, settlement, chargebacks, HSM integration (Atalla, Thales payShield), and key management (KEK, ZPK, key blocks).
Infrastructure & Rules: Familiarity with Docker, Kubernetes, Helm, AWS (MSK, IAM), and business rules engines (Drools, Jess).

Education

Bachelor’s or Master’s degree in Computer Science, Software Engineering, or a related technical discipline (or equivalent practical experience).
Direct experience in the Payments, Fintech, or Banking domain is strongly preferred.
10–15 years of professional experience in designing, coding, developing, and scaling high-throughput, enterprise-grade Java/J2EE applications.
3+ years of hands-on experience in a technical lead or architectural capacity—driving system design, leading 5–8 engineers, and setting coding/quality standards.
Proven track record of architecting low-latency, mission-critical distributed systems operating under strict SLAs and high concurrency.

Staff Software Engineer (Card Authorization & ISO 8583 Platform)

The role

Staff Software Engineer (Card Authorization & ISO 8583 Platform)

The role

What you need

Must-have skills & experience

Good-to-have skills

Education

Technical leadership & team management

Core architecture & engineering

Platform modernization & security

Operations & stakeholder engagement

About Netspend

Similar jobs at other companies

Senior Backend Software Engineer - Core Domain

Staff Software Engineer

Software Engineer III, Backend - Core Domain

Senior Payments Engineer

Engineering Manager - Software Engineering

Staff Software Engineer - Payment Processing

Netspend