Senior Software Engineer, Payments

Ripple
San Francisco
Workplace: OnsiteFull timeUSD 172,000 - 215,000 annuallyFunction: Software EngineeringExperience: 5+ yearsSkills: ["Collaboration","Mentorship","Technical ownership","Process improvement","Knowledge sharing"]

Build enterprise payment applications that enable instant, secure cross-border settlements for fintechs and banks. You’ll prototype and implement distributed systems solutions, guide technical decisions through close collaboration with product, legal, and business teams, and help drive scalable, cloud-native services. Lead complex feature delivery in regulated environments, focusing on strong API design, integration, and sustainable engineering practices while reducing technical debt.

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FursaFursa
Ripple
Ripple
19 hours ago

Senior Software Engineer, Payments

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Source: Company careers pageValidated by: Fursa AI
Last checked: 12 hours agoStatus: Live

Job Summary

Build enterprise payment applications that enable instant, secure cross-border settlements for fintechs and banks. You’ll prototype and implement distributed systems solutions, guide technical decisions through close collaboration with product, legal, and business teams, and help drive scalable, cloud-native services. Lead complex feature delivery in regulated environments, focusing on strong API design, integration, and sustainable engineering practices while reducing technical debt.
Location: San Francisco
Workplace: Onsite
Employment Type: Full time
Job Function: Software Engineering
Seniority: Mid level

Key Responsibilities

  • •Design distributed systems solutions for payment transactions, including architecture trade-offs and operational challenges.
  • •Develop highly scalable and performant enterprise backend services for cross-border payment settlement.
  • •Prototype and implement new solutions to sophisticated software problems alongside a team of engineers.
  • •Collaborate cross-functionally with product, legal, and business development to align technical decisions to strategy.
  • •Own delivery of complex features, reduce technical debt, and manage feature-level migration efforts.

Pay and Benefits

Salary: USD 172,000 - 215,000 annually
Equity and Bonus:Equity
Perks:Health InsuranceRetirementMobile PhoneParental LeaveWellness Stipend

Key Requirements

  • •5+ years of software engineering experience with deep focus on backend systems.
  • •Hands-on experience building and operating modern, cloud-native, highly available distributed systems.
  • •Proven ability to design and deliver complex features in large-scale, complex, regulated environments.
  • •Strong API design and integration skills (REST and/or gRPC) with reusable service contracts.
  • •Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS).
Experience:5+ yearsFintechPaymentsDistributed systemsCloud-nativeRegulated environments
Skills:CollaborationMentorshipTechnical ownershipProcess improvementKnowledge sharing
Languages:English
Tech Stack:JavaSpring BootRESTGRPCAWSKubernetesECSKafkaSNSSQSGoKotlinC#PythonRust

Company Brief

Ripple
Builds blockchain-based payment and liquidity infrastructure for financial institutions and enterprises. Its products support cross-border payments, crypto liquidity, and digital asset settlement.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Growth: Established Company
Headquarters: San Francisco, United States
Founded: 2012
WebsiteLinkedIn