Backend Engineer – UPI & Payments Stack

PhonePe is India's leading digital payments platform with 50 crore registered users and 3.7 crore merchants, covering over 99% of postal codes across India. PhonePe is headquartered in Bengaluru and has expanded into financial services including insurance, mutual funds, stock broking, and hyperlocal commerce via Pincode. This role offers remote flexibility for candidates based across India. As a Backend Engineer on the UPI and Payments Stack team, you will work on the core systems that process tens of millions of UPI transactions daily with extreme reliability and sub-second response times. Your responsibilities include building highly available Java and Go microservices, designing idempotent payment APIs for multi-step UPI collect and pay flows, implementing circuit breakers and fallback strategies for bank connectivity failures, building distributed caching layers using Redis Cluster for session and account data, writing comprehensive contract tests for integration with NPCI and banking partners, and participating in chaos engineering exercises to validate system resilience. PhonePe offers market-leading ESOPs, an engineering culture celebrated for technical depth, and remote-friendly working policies.