About UsVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.Job DescriptionSoftware Development Engineers are expert problem-solvers and builders who design, implement, and improve software applications and systems. In this role, engineers spend approximately 60–75% of their time coding, working hands-on with code, data, and modern tools (including AI-assisted development, cloud services, and automation frameworks) to deliver secure, scalable, and high-quality technology solutions that drive business outcomes in the fintech sector. They collaborate with cross-functional teams – product managers, designers, data scientists, QA, operations, and compliance – to translate business requirements into robust technical solutions, all while adhering to best practices, security standards, and regulatory requirements.All roles require digital fluency, including the ability to work with emerging technologies such as Generative AI tools (e.g. ChatGPT, Microsoft Copilot) to support everyday work.Key Responsibilities:Collaborate with stakeholders to determine requirements for product components and incorporate feedback into future designs or solutions.Translate functional requirements into system designs and communicate component interactions, ensuring alignment with business needs and timelines.Design and develop product components, refine code plans, and lead design reviews to ensure completeness and adherence to requirements.Contribute to project estimation, considering delivery costs and escalating issues that may cause delays.Lead by example in creating, implementing, and maintaining extensible, reusable code, and drive code quality through metrics and best practices.Apply debugging tools to resolve moderately complex issues and identify opportunities for automation across products.Lead code reviews, ensuring adherence to coding standards and providing feedback to team members.Create complex test plans, identify test gaps, and proactively address defects to minimize customer impact.Leverage data analysis and monitoring standards to identify patterns and defects in all environments.Respond to incidents during on-call rotations, troubleshoot complex issues, and assist in incident response and resolution.Build, enhance, and identify new developer tools to support programs and applications.Proactively seek new knowledge and adapt to trends and technical solutions to improve product performance and recommend resources to other engineers.This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.QualificationsEducation & Experience:7.5+ years of relevant software engineering experienceBachelor's or Master's degree in Computer Science, Software Engineering, Distributed Systems, or related fieldCore Technical Skills:Java & Distributed Systems Expertise:Extensive technical experience with JAVA, Spring, HibernateAdvanced Java development including concurrency, multithreading, and performance optimizationDeep understanding of distributed system architectures (microservices, event-driven, service mesh)Experience with distributed consensus algorithms (Raft, Paxos) and coordination services (Zookeeper, etcd)Proficiency in distributed data management patterns (CQRS, Event Sourcing, Saga patterns)Strong knowledge of distributed caching (Redis, Hazelcast, Memcached)Experience with message queues and streaming platforms (Kafka, RabbitMQ, Pulsar)Understanding of CAP theorem, eventual consistency, and distributed transaction managementExperience building highly available, fault-tolerant systems with disaster recovery capabilitiesKnowledge of service discovery, load balancing, and circuit breaker patternsProficiency in code development using Eclipse/MyEclipse, JetBrains IntelliJ or any major Java IDEStrong experience with GIT/Stash, Maven, and JenkinsAPI & Integration:Extensive experience in API Development using SOAP or REST, JSON and XMLDeep knowledge of API standards including OAuth, SAMLExperience with GraphQL, gRPC, and modern API gateway patternsUnderstanding of API versioning, rate limiting, and distributed API managementExperience building async/reactive APIs using Spring WebFlux or similar frameworksData & Infrastructure:Experience with SQL datastores (DB2/MySQL) and Unix/Linux platformsUnderstanding of database sharding, replication, and distributed database systemsExperience with distributed file systems (HDFS, S3, or similar)Knowledge of data consistency patterns across distributed datastoresProven experience with tools development, automation (CI/CD, Auto Deployment, System Availability), logging and monitoringExperience with distributed tracing (Jaeger, Zipkin, OpenTelemetry)Working knowledge of streaming platforms like Kafka for real-time data processingAI-First Engineering Skills:Hands-on experience with LLM integration and serving at scale (OpenAI API, Azure OpenAI, Claude, Llama, etc.)Proficiency in AI-assisted development tools (GitHub Copilot, Cursor, Cline, or similar)Experience building intelligent APIs with AI/ML inference endpoints in distributed environmentsUnderstanding of vector databases (Pinecone, Weaviate, ChromaDB) for RAG applicationsKnowledge of prompt engineering and AI model fine-tuningDistributed Systems Design:Experience designing scalable microservices architectures handling millions of transactionsKnowledge of distributed system monitoring and observability (Prometheus, Grafana, ELK stack)Understanding of container orchestration in distributed environmentsExperience with chaos engineering and resilience testingProficiency in distributed debugging and troubleshooting techniquesProfessional CapabilitiesAbility to write clean, coherent code following established coding guidelinesStrong interpersonal and effective communication skills (both written and verbal)Highly driven, resourceful, and results-orientedExperience leveraging AI tools to accelerate development velocity and code qualityAbility to design and communicate distributed system architectures effectivelyVisa is an EEO EmployerQualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.