Backend Engineer - Coins.ph

Join Coins.ph, the leading crypto brand in the Philippines, as a Backend Engineer. Contribute to the development of a core cross-border payment platform and enhance financial services for over 18 million users. *Join the Pioneer Crypto Brand in the Philippines!* Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services. Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

• •System Architecture & Delivery: Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform. Spearhead technical implementations across the full payment lifecycle, including acquiring, clearing, settlement, and ledger accounting.
• •Capital Security & Risk Mitigation: Architect robust anti-fund-loss frameworks by deeply analyzing transaction risks. Design and deploy automated reconciliation engines, sophisticated exception-handling systems, and continuous fund audits to structurally eliminate financial leaks and capital exposure.
• •Global Channel Integration: Spearhead integrations with international payment rails, banking channels, local payment methods (LPMs), and major credit card networks. Architect configurations to seamlessly handle complex cross-border variables, including localized compliance, dynamic exchange rates (FX), and multi-currency settlement.
• •Performance & Scalability Optimization: Continuously optimize system infrastructure to guarantee high availability, low latency, and operational efficiency. Solve critical distributed system challenges involving massive concurrency, distributed transactions, and strict data consistency.
• •Cross-Functional Collaboration: Partner closely with risk management, corporate finance, compliance, and product teams to drive continuous improvements in payment system stability, security, and financial compliance.

• •Meaningful Collaborations: The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.
• •Scalable Growth: Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.
• •A Space For Bright Ideas: Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.

• •5+ years of professional, hands-on Java development experience, with at least 2+ years dedicated to technical architecture and distributed system design.
• •At least 2+ years of specialized experience in building and maintaining payment infrastructure, with deep proficiency in the core logic, architecture, and transaction flows of cross-border payment platforms.
• •Proven track record of serving as the lead developer or architect for the end-to-end lifecycle of a core payment platform (covering acquiring, clearing, or settlement).
• •Strong understanding of capital protection frameworks. Possesses practical experience in diagnosing fund-loss incidents or diagnosing automated mitigation systems (such as high-speed reconciliation engines or fund audits).
• •Prior experience handling integrations with international payment rails, banking APIs, localized payment methods (LPMs), and credit card networks is highly preferred.
• •Excellent communication skills with a strong sense of ownership, accountability, and a proactive approach to technical problem-solving.