Senior Staff Engineer (Backend), Card Payments

Do the best work of your career as a champion for small and mid-size businesses.

BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms.

BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, Houston, TX and are continuing to expand into other geographic locations. If you’re looking for a place that helps you do the best work of your career, look no further than BILL.

This position is based in San Jose. We support a hybrid work environment with on-site and remote work days.

Make your impact within a rapidly growing Fintech Company

The 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:

• 10+ years of experience designing, developing and supporting complex distributed systems and microservices using Java, Spring Boot, Docker, Kubernetes
• Bachelor's degree in Computer Science or related field; Master's degree preferred
• Experience in applying AI/ML techniques such as natural language processing, reinforcement learning, to build intelligent features and optimize systems
• Expertise with AWS cloud services (EC2, ECS, RDS, SQS, Lambda, API Gateway, CloudWatch)
• Designed and developed backend services, REST APIs, messaging queues, databases, caching layers
• Implemented CI/CD pipelines, infrastructure as code, automated testing, and observability.
• Optimized performance and scalability through caching, pagination, asynchronous processing, database tuning
• Modernized legacy codebases and transitioned monoliths to microservices, event-driven architecture
• Championed best practices around version control, code reviews, testing, deployment automation
• Architected solutions to meet security, compliance and regulatory requirements
• Mentored other engineers on design patterns, architecture decisions, and development practices
• Expert understanding of full software development lifecycle and agile methodologies
• Successfully delivered complex projects from concept to launch, working cross-functionally
• Deep expertise in Java, Spring Boot, REST, SOAP, SQL, NoSQL, KAFKA, testing, CI/CD.
• Experience with payment systems, PCI compliance, security, encryption, PII
• Implement pipelines for data collection, cleaning, labeling, model training, evaluation, monitoring, and deployment using AI frameworks.
• Instrument models and monitor them in production to detect drift, bias, and performance degradation

This position is based in San Jose, CA