Job Title: AVP – Engineering (Merchant Payments ) Location: Gurgaon Role Overview: We are looking for an experienced engineering leader to build and scale our merchant payments ecosystem, covering transaction processing, payouts, settlements, and reconciliation platforms. This role will drive high-scale, reliable, and compliant systems that power merchant acquiring, payment processing, and financial flows, while also supporting device-led integrations (POS/Soundbox) as one of the channels. The ideal candidate will have strong experience in payments architecture, high-throughput systems, and merchant lifecycle platforms, along with proven leadership in scaling engineering teams. Key Responsibilities: 1. Merchant Payments Platform Ownership (Core Focus) Own end-to-end architecture for merchant payment systems, including:Transaction processing (UPI, cards, wallet, gateway)Payouts (merchant disbursals, vendor payments)Settlement & reconciliation systemsBuild and scale high-throughput, low-latency systems handling large volumes of financial transactions.Ensure accuracy, idempotency, and reliability in financial flows across systems.Design systems for T+0 / T+1 settlements, split settlements, and multi-party flows. 2. Payouts, Settlement & Reconciliation Own engineering for merchant settlement engines, including:Settlement calculationsFee/commission handlingReconciliation (bank, partner, internal ledger)Build robust ledgering systems for transaction tracking and audit trails.Ensure real-time visibility into merchant balances, settlements, and payouts.Partner with finance and ops teams for exception handling and reconciliation workflows. 3. Payments Architecture & Compliance Ensure compliance with PCI-DSS, RBI guidelines, and payment regulations.Drive secure and scalable payment orchestration layers.Work closely with risk and compliance teams on fraud detection, transaction monitoring, and audit readiness. 4. Merchant Ecosystem & Integrations Build scalable merchant onboarding, KYC, and lifecycle systems.Enable integrations with:Payment partners (banks, networks)Gateways and aggregatorsInternal fintech productsSupport multi-channel merchant acceptance (POS, QR, app, APIs) — with devices as one channel, not the core. 5. Engineering Leadership Build and scale high-performing teams across backend, platform, and payments engineering.Define engineering roadmap aligned with merchant growth and revenue goals.Establish best practices for scalability, observability, and system reliability. 6. Cross-functional Collaboration Partner with Product, Business, Finance, Risk, and Operations teams.Drive data-driven decision-making using transaction, settlement, and merchant metrics. Requirements: 12–18 years of engineering experience, with strong exposure to payments / fintech platforms.Proven experience in building transaction systems, payouts, settlements, or ledger platforms.Strong understanding of:Payment systems (UPI, cards, gateway)Settlement and reconciliation flowsHigh-scale distributed systemsExperience in merchant acquiring / payment gateway / fintech ecosystem.Strong backend expertise (Java, Kotlin, or similar) and system design capabilities.Experience managing large engineering teams (20+ members).Understanding of PCI-DSS, RBI guidelines, and financial compliance frameworks. Good to Have: Experience in high-growth fintech or payment companiesUnderstanding of ledgering and accounting systems Why Join Us? Opportunity to build core merchant payments infrastructure at scaleHigh-impact role directly linked to revenue and merchant growthFast-paced, product-driven fintech environment