Payment R&D Engineer (A40295)

Core Value of the Role You will be responsible for the technical integration and optimization of payment channels in the Indonesian market, participating in the development of a highly available and resilient cross-border payment system. This role serves top clients in e-commerce, digital entertainment, and retail, covering both online and offline payment scenarios.

Responsibilities

• For the new retail industry, deliver integrated online/offline acquiring solutions, with strong familiarity in mainstream offline acquiring methods such as POS acquiring and QR code acquiring.
• Maintain strong communication with local new retail clients to understand industry requirements; ensure smooth internal information sharing and collaboration, while providing technical support for integration.
• Lead the integration and testing of Indonesian payment channels (e.g., QRIS, BI-FAST, RTOL, SKN, RTGS, local cards, international cards, and e-wallets such as Dana, OVO, ShopeePay, GoPay), ensuring delivery according to business timelines.
• Monitor the stability of payment flows, troubleshoot abnormalities (e.g., channel outages, performance bottlenecks, customer complaints), and drive optimization in collaboration with both channel partners and internal teams.
• Communicate regularly with local merchants and payment providers, offering technical support to ensure successful project delivery.
• Act as a key R&D contributor, independently driving cross-functional collaboration to ensure timely rollout of pilot projects.

Requirements

• Bachelor’s degree or above in Computer Science or related field.
• 1–3 years of hands-on development experience in payment systems (payment gateway/acquiring platform/channel gateway), familiar with offline acquiring (POS, QR), and core payment flows (sign-up, payment, clearing, reconciliation).
• Proven experience in channel integration; strong risk awareness; familiarity with disaster recovery, idempotency, and data consistency design in distributed systems.
• Proficient in Java (high-concurrency and distributed system design); hands-on Golang experience is a plus.
• Familiar with RocketMQ, Redis, and database sharding & partitioning.
• Proficient in Bahasa Indonesia and Chinese; ability to collaborate with headquarters in Chinese is preferred.

Preferred Qualifications

• Deep understanding of integrated online/offline acquiring solutions in the new retail industry, with hands-on knowledge of mainstream offline acquiring methods.
• Direct experience integrating local e-wallets (Dana, OVO, ShopeePay, GoPay).
• Previous work experience in cross-border payment companies.
• Experience in payment stability improvement or fraud/loss prevention projects.
• Familiarity with Indonesian payment compliance requirements (Bank Indonesia, OJK, ASPI) and strong compliance awareness.

What We Offer

• Opportunity to deeply participate in building Indonesia’s payment ecosystem and take ownership of 0→1 pilot project delivery.
• Collaboration with the headquarters R&D team to gain hands-on experience in cross-border payment system architecture.
• Direct involvement in business enablement for top merchants in e-commerce and retail, driving high-impact projects.

岗位核心价值

你将负责印尼市场支付渠道的技术接入与优化，参与搭建高可用、抗风险的跨境支付系统，服务头部电商、数字娱乐、零售客户，覆盖线上线下支付场景。

职责描述

- 以新零售行业为例，提供线上/线下整合的收单支付解决方案，尤其熟悉主流线下收单方式，如POS收单、扫码收单。

- 沟通能力强，对外定期与当地新零售行业的客户沟通行业需求，对内确保信息同步与协作效率，提供技术对接的支持。

- 负责印尼支付渠道（QRIS、BI-FAST、RTOL、SKN、RTGS、本地卡、国际卡、电子钱包 Dana、OVO、ShopeePay、GoPay 等）的技术接入与调试，确保按业务时间线交付。

- 监控支付链路稳定性，定位异常问题（如渠道故障、性能瓶颈、客户投诉），推动渠道方与内部团队协同优化。

- 定期与当地商户和支付供应商沟通，提供技术对接与支持，确保项目顺利落地。

- 作为研发骨干，独立推动跨部门协作，保障 Pilot 项目上线节奏。

任职要求

- 本科及以上学历，计算机相关专业。

- 1-3年支付系统开发经验（支付网关/收单平台/渠道网关），熟悉线下收单（如如POS收单、扫码收单），支付系统核心链路（签约、支付、清算、对账）

- 有渠道对接实战经验，具备风控意识，熟悉分布式系统中的容灾、幂等、数据一致性设计。

- 精通 Java（高并发、分布式场景设计），具备 Golang 实战经验优先。

- 熟悉 RocketMQ、Redis、分库分表等中间件。

- 熟练使用印尼语/中文沟通，能用中文和总部团队协作优先。

优先条件

- 熟悉新零售行业线上/线下整合的收单支付解决方案，尤其熟悉主流线下收单方式

- 有本地钱包（Dana、OVO、ShopeePay、GoPay）对接经验。

- 在跨境支付公司有任职经历者优先

- 参与过支付稳定性或资损防控项目优先

- 熟悉印尼支付合规要求（Bank Indonesia、OJK、ASPI），具备合规意识。

我们提供

- 深度参与印尼支付生态建设的机会，负责 Pilot 项目的 0→1 落地。

- 与总部研发团队协同开发，积累跨境支付系统建设经验。

- 直接参与电商、零售头部商户的业务落地，承担高影响力项目。