Senior Software Engineer (Backend), Card Payments

Innovate with purposeAt BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters.Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.At BILL, we listen, learn, and lead—fostering collaboration and a drive for continuous growth. We’re committed to building a diverse and inclusive workplace that values each person’s unique skills and experiences. Even if you don’t meet every requirement, we’d love to hear from you—you might be just what we’re looking for, whether in this role or another. Let’s give businesses more time for what matters.Make your impact within a rapidly growing Fintech CompanyThe Card Payment teams are responsible for building enhanced capabilities for card issuing & processing in the cloud-based Bill.com Accounts Payables and Accounts Receivables platforms. You’ll be working with peer developers , product managers, designers, architects, and your manager to create new product capabilities to grow and scale card payments for Bill.Enable customers to pay & get paid using streamlined card payment options from rapid to instant payouts across multiple channels. Our spotless & smart methodologies define solutions for effortless card payment CX. We are looking for a strong , passionate engineer to join us on an exhilarating journey to clock colossal payment volumes, build & ideate towards next-gen capabilities, & invent new revenue streams in the Card Issuing space. We’d love to chat if you have:Expertise in making step-function improvements in performance and scale of platformsBusiness acumen - able to leverage the platform to solve business problemsArchitect and Re-architect current application stack and design patternsDesign and develop cutting edge payment applications driving innovationDesign, develop and maintain distributed applications using micro-services and event-driven architecture using Java as primary language. Possesses Expert-level knowledge of Java.Build solutions using cloud technologies and drive adoption of cloud technologies (e.g. AWS) within the organization.Confer with systems analysts, engineers, programmers, product managers and others to design system and to obtain information on project limitations and capabilities, performance requirements and interfacesHave a full cycle engineering mindset and perform duties of an architect, software developer, a quality assurance tester, automate test cases and hold yourself and the team accountable for successes and failures.Analyze user needs and software requirements to determine feasibility of design within time and cost constraintsEngineer code for the card payments team.Interact with cross-functional heads and eventually be the SME on card paymentsBe the champion of the system, the processes and develop excellent relationships with peers, leadership, product managers and cross-team partners.Will coach and mentor junior engineers to build and maintain large scale software with higher reliability and best coding practicesReview design and coding of peers and junior engineersAssist with the documentation of new processes and technology and help adoption of new technology across the company.Lead RCAs for the team and learn from the failures to avoid them in the future.Familiarity and expertise in writing Unit testsResponsible for making recommendations which would normally result in serious impact on the success of an important product or version.Help debug live production issues by raising the initial investigation of live production issues and escalating to the senior technical staff.Active participants in team meetings and occasionally facilitates team meetings (technical or non-technical)Required Skills:5+ years experience designing, developing and supporting scalable payment systems using Java and Distributed systemsBachelor’s degree; or 4 years and a Master’s degree; or a PhD with 3 years experience; or equivalent experience.Clear understanding of SDLC.Extensive practical experience in several commercial engineering efforts. Experienced working on large scale, complex applications Extensive experience in designing and architecting microservices-based systems, including the decomposition of monolithic applications.Proven track record of implementing containerization technologies like Docker for packaging, distributing, and running applications in a consistent and isolated environment.Ability to challenge the norm and maturity to advocate for changes for the greater benefit of the businessStrong interest in latest technologies.Experience coaching and mentoring junior engineersExperience in payments industry or building payment applications  Experienced in database technologies.Expert in SOAP/REST communication, Usage of test harnesses, giving technical direction to QA engineers and ability to write extensive architecture and design documents.Security mindset with PCI/PII experience is preferred.Understanding of the scrum practices and ability to drive delivery and solutions forward with minimal supervision.SME for reporting tools like Splunk, LogRocket, QuickBase, etc.Product: passion for great products and building great experiences, Proven ability to take the product through all stages of development from concept to launch at scale.Clear communication and articulation skills. Ability to concise engineering efforts and communicate to leadership after the fact about what was done and how it turned outQuickly isolates/debugs issues even in areas outside of one's own domainExcellent troubleshooting and issue resolution skills.#LIThe estimated salary  range for this role is noted below for our San Jose based role.  Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.San Jose pay range$145,600—$174,700 USDWhat’s in it for you? Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. Here is a preview of some of the amazing benefits here at BILL: 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)HSA & FSA accounts Life Insurance, Long & Short-term disability coverageEmployee Assistance Program (EAP)11+ Observed holidays and wellness days and flexible time off Employee Stock Purchase Program with employee discountsWellness & Fitness initiativesEmployee recognition and referral programsAnd much moreDon’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.BILL is an Equal Opportunity Employer that values diversity and inclusion. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com.Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.