Senior Payments Developer

We are seeking a highly experienced Payments Expert with deep hands-on software development skills to join our payments team. This role focuses on designing, developing, and maintaining critical payments functionality across multiple banking applications. The successful candidate will have proven experience building and enhancing payment systems using Java and RESTful APIs, rather than purely integration-focused or configuration heavy roles.
We have high standards for this position: previous candidates with limited core development experience (e.g., primarily integration/middleware/API consumption without significant custom development) have not met our requirements. We are looking for a true developer who can own complex implementation work in a retail/KSA banking environment.
Key Responsibilities
• Design, development, and enhancement of payments features and modules across multiple applications in a country/retail banking context.
• Build robust, scalable backend solutions using Java (Spring Boot preferred) and develop/expose/consume RESTful APIs for payment processing, transaction flows, and related services.
• Implement business logic for payments workflows, including but not limited to domestic payments, account transfers, real-time payments, and integration with core banking systems.
• Troubleshoot and resolve complex technical issues in production payments environments, ensuring high availability, security, and compliance.
• Collaborate with product owners, architects, QA, and operations teams to deliver high-quality, maintainable code.
• Contribute to code reviews, technical design discussions, and improvements to development practices
• Ensure solutions adhere to banking regulatory standards, security best practices, and performance requirements.
Required Qualifications & Experience
• Minimum 5+ years of hands-on experience in Saudi banking (retail/consumer banking) environments, with deep domain knowledge of domestic payments processes, transaction types, and banking operations.
• Strong development background: Proven track record as a hands-on Java developer (not just integration specialist), with experience owning end-to-end feature delivery.
• Expert-level proficiency in Java (Java 8+), Spring/Spring Boot, and building RESTful APIs (design, implementation, and consumption).
• Experience working across multiple payments-related applications/systems (e.g., core banking, payment gateways, transaction processing platforms).
• Solid understanding of payments domain concepts (e.g., SEPA, Faster Payments, Bacs, or equivalent domestic schemes; transaction lifecycle; reconciliation; fraud/risk handling).
• Experience with microservices architecture, API security (OAuth, JWT), and integration patterns is highly desirable.
• Strong problem-solving skills with the ability to handle complex, high-stakes production issues.
• Excellent communication skills and ability to work in cross-functional agile teams.