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Senior Software Engineer (Backend), Card Payments



Software Engineering
San Jose, CA, USA
Posted on Saturday, April 6, 2024

Do the best work of your career as a champion for small and mid-size businesses.

BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms.

BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, Houston, TX and are continuing to expand into other geographic locations. If you’re looking for a place that helps you do the best work of your career, look no further than BILL.

Make your impact within a rapidly growing Fintech Company

The Card Payment teams are responsible for building enhanced capabilities for card issuing & processing in the cloud-based Accounts Payables and Accounts Receivables platforms. You’ll be working with peer developers , product managers, designers, architects, and your manager to create new product capabilities to grow and scale card payments for Bill.

Enable customers to pay & get paid using streamlined card payment options from rapid to instant payouts across multiple channels. Our spotless & smart methodologies define solutions for effortless card payment CX. We are looking for a strong , passionate engineer to join us on an exhilarating journey to clock colossal payment volumes, build & ideate towards next-gen capabilities, & invent new revenue streams in the Card Issuing space.

We’d love to chat if you have:

  • 5+ years experience designing, developing and supporting scalable payment systems using Java, Spring Boot, AWS cloud services
  • Expertise in Java, microservices, messaging queues, event streaming, SQL/NoSQL, REST, CI/CD
  • Design, build and support highly reliable, low latency payment systems and APIs
  • Implement secure, compliant and fraud-resistant payment solutions
  • Develop robust integrations with third party payment providers leveraging messaging and events
  • Build ingestion pipelines, data lakes and AI/ML models for payment analytics
  • Instrument payment systems for monitoring, logging, tracing and alerting
  • Diagnose and troubleshoot issues quickly in live production environments
  • Automate deployment, testing and infrastructure management using IaC tools
  • Work closely with product and business teams to drive payment innovation
  • Develop solutions leveraging leading technologies like cloud, containers, Kafka, AI/ML
  • Take full ownership of critical payment systems and mentor junior engineers
  • Promote scalability, reliability, security and engineering best practices
  • Provide technical guidance during design, code reviews and testing
  • Clearly communicate technical details and tradeoffs to stakeholders
  • Make critical recommendations influencing payment systems direction
  • Participate in team meetings and facilitate technical discussions

Required Skills:

  • 5+ years experience designing, developing, and operating distributed systems and microservices leveraging Java, Spring Boot
  • Bachelor's degree in CS or related field; Master's preferred
  • Expertise in Java, SQL/NoSQL, REST, messaging, CI/CD pipelines, automated testing
  • Experience with payment systems, PCI compliance, security, encryption highly preferred
  • Design, build, and support reliable applications on AWS cloud (EC2, RDS, Lambda, API Gateway)
  • Implement scalable architectures using containers, Kubernetes.
  • Monitor, log and alert on application performance using CloudWatch, Datadog
  • Diagnose and troubleshoot issues efficiently in development and production environments
  • Hands-on experience developing and monitoring AI/ML models
  • Identify opportunities to apply AI/ML capabilities to solve problems
  • Advocate for engineering best practices around development, testing, deployment
  • Provide technical guidance and mentoring to less experienced engineers
  • Work cross-functionally with product, design, and leadership teams

The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

San Jose pay range
$145,600$174,700 USD

Let’s talk about benefits

  • 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
  • HSA & FSA accounts
  • Life Insurance, Long & Short-term disability coverage
  • Employee Assistance Program (EAP)
  • 11+ Observed holidays and wellness days and flexible time off
  • Employee Stock Purchase Program with employee discounts
  • Wellness & Fitness initiatives
  • Employee recognition and referral programs
  • And much more

For positions that are in office we support a hybrid work environment with on-site and remote work days. Check out our LinkedIn Life Page for each location and discover BILL.

We live our culture and values every day

At BILL, we’re different by design—it's our culture. Our CEO is a trusted entrepreneur who lives our cultural values: Humble, Authentic, Passionate, Accountable, and Fun. People here love being their authentic selves, contributing unique experiences, sharing ideas, perspectives, and intellectual curiosity. We celebrate our diversity as the heart and soul of how we work, grow, and succeed together. Inspiring people with meaningful career experiences they love really does make the dream work and our successes just keep getting better. There’s no limit to what we can build and where we can go from here. We’d love you to join us.

BILL is proudly an Equal Opportunity Employer where everyone is welcome. Our innovation and technology are inspired by an inclusive culture unlike any other. Everyone brings a different personal story and perspective and this diverse mix of minds, backgrounds, and experiences is where our greatest ideas come from. We welcome people of all races, ethnicities, ages, religions, abilities, genders, and sexual orientations to make us an even more vibrant company. We want everyone to bring their authentic selves here, to share our values, shape our vision, drive innovation, and become part of a culture we celebrate every day.

Our promise to our candidates is to be transparent, diligent, and engaging while guiding individuals through each step of our hiring process. At BILL we strive to achieve an inclusive and positive candidate experience that aligns with our core values and focuses on diversity.

If you require a reasonable accommodation for your application, interviews, or another aspect of the hiring process, please contact

BILL Culture:

  • Humble - We check our egos at the door. We are curious. We listen, accept feedback.
  • Authentic - We earn and show trust by being real—embracing our authentic selves.
  • Passionate - We care deeply about each other and our customers.
  • Accountable - We are duty-bound to each other, our customers, and society.
  • Fun - We wrap it all together by building connections and enjoying time spent together.

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