Software Engineer - Sr. Consultant level-4

About Us Visa 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 Description You’re an Individual. We’re the team for you. Together, let’s transform the way the world pays. Commercial and Money Movement Solutions (CMS) division’s charter is to capture new sources of money movement through card and non-card flows, including Visa Business Solutions, Government Solutions and Visa Direct which presents an enormous growth opportunity. Our team brings payment solutions and associated services to clients around the globe. Our global clients and partners deploy our solutions to serve the needs of Small Businesses, Middle Market Clients, Large Corporate Clients, Multi Nationals and Governments. The Visa Business Solutions (VBS) and Visa Government Solutions (VGS) team is a world-class technology organization experiencing tremendous, double-digit growth as we expand products into new payment flows and continue to grow our core card solutions. This is an incredibly exciting team to join as we expand globally. B2B Payables & Acceptance is part of Visa Business Solutions vertical of Visa’s Technology organization. We are responsible for designing, developing and implementing Virtual Cards, payables and acceptance commercial platforms to drive incremental revenue. We develop new offerings/products and enhance existing Visa Business Solutions product lines including Commercial data processing, B2B payables & B2B Acceptance platforms. We are looking for full stack engineers to join our B2B Acceptance team as Software Engineers (Sr. Consultant Level) based in Bangalore, India.

Key Responsibilities

• Work as a member of a team responsible for architecting, designing, coding, testing and maintaining Visa's Business Solutions B2B line of products.
• Lead architecture and design for the applications you own. Contribute expertise for other application by participating in review sessions.
• Lead collaboration with stakeholders and uses understanding of tradeoffs and project costs to determine requirements for a project
• Translate functional and non-functional requirements into system designs and communicates how the components will interact
• Develop code that complies with design specifications and meets security and Java/J2EE best practices. Use industry standard design patterns where applicable.
• Create code that is easily maintainable and have high system performance.
• Collaborate with Development & QA staff on individual and team deliverables.
• Create documentation and procedures for installation and maintenance. Work with operations team for any production issues
• Identify opportunities for future enhancements and refinements to standards, best practices, design patterns and development methodologies.
• Work closely with project team and other groups (e.g. Network, QA, Ops, Engineering)
• Proactively seek new knowledge and adapts to new trends, technical solutions, and patterns that will improve the availability, reliability, efficiency, observability, and performance of products
• Follow and enhance Coding and Design best practices
• Participate in design and code review sessions to ensure the quality of work delivered by self and teammates are in accordance with development standards.
• Review data and statistical analysis results produced within the team to identify complex issues that may affect several features and identifies possible solutions to these problems
• Work in a loosely structured, fast-paced organization. This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager. This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications Basic Qualifications : 10+ years of relevant work experience with a Bachelor’s Degree or at least 8 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 5 years of work experience with a PhD, OR 12+ years of relevant work experience. Preferred Qualifications: o Experience in code development using Eclipse/MyEclipse, JetBrains IntelliJ or any major Java IDE o Hands‑on experience designing, fine‑tuning, and integrating GenAI/LLM‑based solutions (e.g., OpenAI, Azure OpenAI, Anthropic, Vertex AI), with a track record of building production‑grade AI features or developer tooling. o Deep understanding of vector databases, embeddings, prompt engineering, RAG architectures, and model optimization techniques, with the ability to architect scalable, high‑performance GenAI systems for enterprise use cases. o Experience in building architecture of an application ground up including infra sizing, tech stack identification and performance estimation o Extensive technical experience with Java, Spring, Hibernate, Java and web frameworks at scale. o Experience with GIT/Stash, Maven and Jenkins o Experience with both NoSQL and SQL datastores including MySQL and MongoDB, Unix or Linux platforms o Experience with some of these technologies: Docker/Kubernetes, Kafka, HazelCast, Prometheus, Graphana o Experience with tools development, automation (CI/CD, Auto Deployment, System Availability, etc.) o Experience of latest web technologies (TCP/IP, HTTP, HTML, JavaScript, CSS, Angular / React / Jquery, NodeJs), REST, SOAP, XML, JSON and other relevant API standards like OAuth, SAML. o Ability to write clean, coherent code following established coding guidelines o Strong interpersonal, facilitation, and effective communication skills (both written and verbal) o Ability to deliver on multiple projects and manage priorities based on changing directions. Demonstrated ability to lead and navigate through ambiguity o Highly driven, resourceful and results oriented o Experience developing as part of Agile/Scrum team o Passionate about delivering zero defect code that meet or exceed the proposed defect SLA and have high sense of accountability for quality and timeliness of deliverables o Experience in Tomcat o Experience with SOAPUI or Postman o Experience working with Safe framework o Past experience in Payments or B2B products

Visa is an EEO Employer Qualified 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.