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- Tasks: Design and develop Java-based applications for global payment processing and modernisation.
- Company: Join a leading financial tech company transforming the payments landscape.
- Benefits: Attractive salary, flexible working options, and opportunities for professional growth.
- Other info: Dynamic, agile environment with a focus on innovation and collaboration.
- Why this job: Be part of a team that shapes the future of real-time payments and financial technology.
- Qualifications: 7+ years in Java development, especially in banking or payments.
The predicted salary is between 36000 - 60000 £ per year.
We are looking for an experienced Java Developer with strong exposure to the Payments domain to design, build, and enhance applications supporting global payment processing and modernization programs. The role involves developing scalable, high-performance backend components, integration services, and APIs that enable real-time payments, ISO 20022 message transformations, reconciliation, and workflow automation. The ideal candidate will have hands-on experience with Java-based payment systems, an understanding of SWIFT/SEPA/ACH/RTP ecosystems, and familiarity with transaction life cycles from initiation to settlement. The role offers an opportunity to work closely with Product Owners, Business Analysts, and Transformation Leads to deliver next-generation payments solutions.
Key responsibilities
- Application Development & Integration
- Design and develop Java-based backend services and RESTful APIs for payment processing, reconciliation, and message translation.
- Implement ISO 20022 (MX) to MT message transformation logic and related schema validation using XML/JSON parsers.
- Integrate with payment gateways, SWIFT interfaces, RTP/FedNow services, and internal systems like Core Banking or Treasury.
- Develop components supporting real-time payments, event-driven processing, and asynchronous messaging (Kafka, JMS).
- Ensure code performance, reusability, and compliance with secure coding and resiliency standards.
- Payments System Modernization
- Collaborate with architecture and product teams on payments modernization, API enablement, and microservices migration.
- Build solutions to enhance straight-through processing (STP), exception handling, and operational efficiency.
- Participate in PoCs for platform refactoring and performance tuning of existing payment engines.
- Partner with Business Analysts and Product Owners to translate business requirements into technical designs.
- Support unit testing, SIT/UAT, and post-production validation.
- Document technical solutions, workflows, and system interfaces.
- Participate in agile ceremonies — sprint planning, backlog refinement, and retrospectives.
- Operational Resilience & Quality
- Develop and maintain error-handling, retry, and reconciliation frameworks for payment transactions.
- Work with QA and DevOps teams to support CI/CD pipelines, environment setup, and automated deployment.
- Ensure compliance with regulatory and security standards within payment applications.
Skills required
- 7+ years of experience in Java backend development, preferably in banking or payments environments.
- Strong expertise in Java 11 or higher, Spring Boot, REST APIs, Hibernate/JPA, and Microservices Architecture.
- Experience with ISO 20022 / SWIFT / SEPA / RTP / ACH message structures and transformations.
- Familiarity with message queues and event-driven systems (Kafka, JMS, RabbitMQ).
- Good understanding of database design (SQL/NoSQL) and experience with Oracle, PostgreSQL, or similar systems.
- Exposure to cloud environments (AWS, Azure, or GCP) and containerization tools (Docker, Kubernetes).
- Working knowledge of CI/CD pipelines, Jenkins, Git, and unit testing frameworks (JUnit, Mockito).
- Prior experience integrating with payment hubs (VolPay, Finastra, FIS, or Temenos) preferred.
- Understanding of security principles, OAuth2/JWT, and data encryption in financial applications.
- Strong problem-solving, analytical, and communication skills, with ability to work in an agile, fast-paced environment.
Java Developer - Payments employer: Crisil
Contact Detail:
Crisil Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Java Developer - Payments
✨Tip Number 1
Network like a pro! Get out there and connect with folks in the payments industry. Attend meetups, webinars, or even local tech events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Show off your skills! Create a portfolio showcasing your Java projects, especially those related to payments. Having tangible examples of your work can really impress potential employers and set you apart from the crowd.
✨Tip Number 3
Don’t just apply anywhere—apply through our website! We love seeing candidates who are genuinely interested in joining StudySmarter. Tailor your application to highlight your experience with payment systems and how you can contribute to our team.
✨Tip Number 4
Prepare for interviews by brushing up on your knowledge of payment processing and relevant technologies. Be ready to discuss your experience with ISO 20022, microservices, and real-time payments. Confidence and knowledge go a long way in landing that job!
We think you need these skills to ace Java Developer - Payments
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in Java backend development, especially in the payments domain. We want to see how your skills align with the job description, so don’t be shy about showcasing relevant projects and technologies you've worked with!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about payments and how your background makes you a perfect fit for our team. We love seeing enthusiasm and a bit of personality, so let us know what excites you about this role.
Showcase Your Technical Skills: When filling out your application, make sure to mention specific technologies and frameworks you’ve used, like Spring Boot or ISO 20022. We’re looking for hands-on experience, so don’t hold back on the details that demonstrate your expertise!
Apply Through Our Website: We encourage you to apply directly through our website for the best chance of getting noticed. It’s super easy, and you’ll be able to keep track of your application status. Plus, we love seeing candidates who take the initiative to connect with us directly!
How to prepare for a job interview at Crisil
✨Know Your Java Inside Out
Make sure you brush up on your Java skills, especially Java 11 or higher. Be prepared to discuss your experience with Spring Boot, REST APIs, and Microservices Architecture, as these are crucial for the role.
✨Understand Payment Systems
Familiarise yourself with the Payments domain, including ISO 20022, SWIFT, SEPA, and other payment message structures. Being able to talk about transaction life cycles and how you've worked with payment gateways will set you apart.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled challenges in previous projects, particularly in backend development and integration. Highlight your experience with error-handling frameworks and operational resilience in payment applications.
✨Engage with Agile Methodologies
Since the role involves working in an agile environment, be ready to discuss your experience with agile ceremonies like sprint planning and retrospectives. Show that you can collaborate effectively with Product Owners and Business Analysts.