We are seeking a Fullstack Application Engineer (with AI Capabilities) to drive the design, delivery, and continuous enhancement of IMPS / AEPS / NETC / CTS platforms. This role involves building and managing real-time, high-volume payment systems with a strong focus on availability, resilience, security, performance, and AI-assisted engineering practices. Job Details • Job Title: Senior Associate– Payment Systems • Division: Application Development • Experience: 3–6 Years • Education: B.E. / B.Tech / M.E. / M.Tech • Location: Mumbai/Chennai/Hyderabad • Employment Type: Full-Time (Permanent) Your Team’s Impact Your team will design and operate high-throughput, low-latency APIs and services processing millions of transactions daily. Your work will directly contribute to: • Financial inclusion • System reliability and operational excellence • Trust in India’s digital payments ecosystem Key Responsibilities • Lead end-to-end delivery of IMPS/AEPS/NETC/CTS platforms • Drive system improvements in performance, scalability, and resilience • Ensure regulatory compliance and secure system design • Own API lifecycle management and service governance • Implement AI-assisted development practices responsibly • Define standards for AI adoption in engineering workflows • Mentor engineers and promote engineering best practices & automation • Build and operate high-availability, fault-tolerant distributed systems Requirements • Strong expertise in Java (Spring Boot), Microservices, Distributed Systems • Experience with Apache Kafka / event-driven architectures • Strong knowledge of databases: Oracle, PostgreSQL, Cassandra, YugabyteDB, KDB+ • Hands-on with AI-assisted development tools (Copilots, AI code assistants) • Experience in containerization (Docker) and orchestration (Kubernetes) • Knowledge of CI/CD pipelines (Jenkins, GitLab) • Familiarity with API gateways (Kong, NGINX) • Strong understanding of performance tuning, concurrency, resilience patterns Key Skills and Experience Required • Proven experience building large-scale payment / banking systems • Strong background in real-time, mission-critical applications • Experience managing high transaction volume systems • Ability to balance AI-driven productivity with engineering rigor • Strong leadership, mentoring, and stakeholder collaboration skills Preferred • Experience in IMPS / AEPS / NETC / CTS or similar payment platforms • Exposure to regulatory and compliance-driven ecosystems • Experience in modern engineering practices and DevOps environments