Staff Software Engineer – Credit Cycle

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Summary:

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 remote position. A remote position does not require job duties be performed within proximity of a Visa office location. Remote positions may be required to be present at a Visa office with scheduled notice. 

Basic 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

Visa 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.