Staff Software Engineer – Credit Cycle

Founded by experienced entrepreneurs and engineers in 2016, Pismo is a technology company that provides a comprehensive processing platform for banking, card issuing and financial market infrastructure and helps customers innovate and build the next generation of banking and payment solutions. Pismo joined Visa in 2024.Leveraging Visa’s solutions, our core platform, and an expanding suite of capabilities, Pismo addresses the technological challenges that large banks, marketplaces, and fintech companies face in migrating from legacy systems to more advanced technology in the market. Pismo’s cloud-based platform empowers firms to build and launch financial products rapidly, scaling as they grow to have a broader audience while keeping high security and availability standards.Pismo’s 500+ employees are located in more than 10 countries around the world.Job DescriptionSummary:The Staff Software Engineer on the Credit Cycle team plays a pivotal role in designing and implementing core services that power the credit lifecycle platform—enabling clients to offer revolving credit seamlessly and securely in a cloud-native environment. This position demands deep technical expertise in building scalable, secure, observable, and reliable systems, as the engineer contributes to mission-critical components such as invoice closure, account debt control, and financial transaction integrity.The ideal candidate will demonstrate architectural vision, hands-on coding excellence, and a strong ability to influence technical direction across teams. They will tackle complex engineering challenges, drive the delivery of high-quality and resilient solutions, and promote a culture of innovation, technical rigor, and continuous improvement.What you’ll do: Design and deliver end-to-end, scalable, and high-performance solutions—from architectural decisions to production deployment and monitoring. Lead technical discussions and guide the team in translating complex business challenges into effective engineering solutions. Ensure service reliability and quality through comprehensive documentation, rigorous testing, robust observability, and proactive incident resolution. Solve challenging problems related to concurrency, system availability, real-time event processing, resilience, and cost optimization. Participate in on-call rotations to support the stability and performance of mission-critical systems. Collaborate cross-functionally with product, architecture, and infrastructure teams to align on technical strategy and delivery. This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager. QualificationsBasic Qualifications: 5+ years of experience in software development with Java Be based in India Excellent analytical, problem-solving, and communication skills Strong self-motivation and adaptability in dynamic environments Ability to make assertive decisions under pressure and navigate complex constraints Ability to work independently in a remote, multicultural team environment. Strong background in microservices architecture Strong knowledge of relational databases (MySQL, PostgreSQL) and SQL. Having excellent technical skills (Java, AWS, IaC - Terraform, Containerization, testing and code reviewing) Knowledge in agile methodologies (Kanban/Scrum) Strong background in event-driven architecture using solutions like Kafka, AWS SQS/SNS, RabbitMQ and AWS Kinesis Preferred Qualifications: Knowledge in payments or financial services industry Knowledge in Azure/Google Cloud Platform Knowledge in Golang Additional InformationVisa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.