Senior Full Stack Engineer - Payments & ACH

Profile: Senior Full Stack Engineer - Payments & ACH (AI-Native) Experience: 710 years (Backend-heavy) Location: Gurgaon About the Role We're looking for a Senior Full Stack Engineer with deep backend expertise and hands-on experience building ACH payment systems. You'll work on high-volume payment processing, reconciliation, virtual account ledgering, and event-driven services while leveraging AI-native development tools to build secure, scalable financial infrastructure. Key Responsibilities Design and develop ACH payment workflows, including origination, returns, retries, reconciliation, and ledgering. Build and maintain scalable backend services, REST APIs, and microservices. Design event-driven architectures using AWS SQS, webhooks, and asynchronous processing. Develop and optimize PostgreSQL schemas with a focus on data integrity and performance. Build and maintain internal React-based dashboards and operational tools. Contribute to CI/CD pipelines, automated testing, and deployment processes. Create technical documentation, design documents, and runbooks. Collaborate with customers and internal teams to support integrations and troubleshoot production issues. Utilize AI-assisted development tools such as Claude Code, Cursor, or similar to improve engineering productivity while maintaining code quality. Required Skills & Experience 7-10 years of software engineering experience with a strong backend focus. Hands-on experience with ACH payment processing, reconciliation, returns, retries, or ledgering. Strong experience with Node.js, Express.js, NestJS (or Hapi). Experience building REST APIs, GraphQL services, microservices, and WebSockets. Strong understanding of event-driven architecture, queues, retries, and webhook-based integrations. Expertise in PostgreSQL schema design, query optimization, and data integrity. Experience with AWS services including Lambda, RDS, SQS, API Gateway, and Secrets Manager. Frontend experience with React.js, Next.js, Redux, React Hook Form, TanStack Query, Jest, and Playwright. Familiarity with OpenAPI/Swagger, CI/CD, and automated deployments. Experience working with AI coding assistants such as Claude Code, Cursor, or similar. Preferred Qualifications Knowledge of NACHA Operating Rules. Experience with RTP, FedNow, Wire Payments, or Debit Card payment rails. Experience in regulated fintech environments (SOC 2, audit logging, idempotency). Previous mentoring or technical leadership experience. .