Java Developer | UPI & BBPS Backend

We are looking for a strong Java Backend Developer with 3 to 5 years of experience in developing scalable, secure, and high-performance backend applications.

The candidate must have hands-on experience working on at least one live UPI application/UPI app and strong expertise in Core Java, Spring Boot, REST APIs, Microservices, SQL, and third-party API integrations.

The role involves developing and maintaining backend APIs for UPI and BBPS applications, including payment processing, transaction management, financial integrations, validations, reconciliation, and production support.

Key Responsibilities

• Develop and maintain backend services using Core Java and Spring Boot.

• Build and maintain REST APIs and Microservices for UPI and BBPS applications.

• Develop backend APIs for live UPI applications.

• Implement UPI transaction flows including:

• Payment initiation

• Transaction validation

• Success / Failed / Pending handling

• Transaction status enquiry

• Reversal and refund

• Callback / webhook processing

• Retry and exception handling

• Develop BBPS APIs for bill fetch, bill payment, transaction status, validation, and reconciliation.

• Integrate with banks, PSPs, payment gateways, BBPS systems, billers, and third-party APIs.

• Implement transaction management, idempotency, duplicate prevention, timeout and retry mechanisms.

• Develop business validations, transaction rules, audit logs, and reconciliation processes.

• Work with MySQL, PostgreSQL, or Oracle and write optimized SQL queries.

• Troubleshoot production issues, perform RCA, and implement permanent fixes.

• Ensure API security, logging, monitoring, auditability, and data protection.

• Participate in code reviews, unit/integration testing, performance optimization, and production releases.

Mandatory Technical Skills

• Strong Core Java
• Java 8+
• Spring Boot / Spring MVC
• RESTful API development
• Microservices architecture
• Hibernate / JPA
• SQL and relational databases
• Exception handling and logging
• Git
• Maven / Gradle
• JUnit / Mockito
• Postman / API troubleshooting
• Third-party API integrations

Mandatory Domain Experience

• Hands-on experience with at least one live UPI application/UPI app
• Understanding of the UPI transaction lifecycle
• Experience with payment APIs and financial integrations
• Understanding of transaction states, reversals, refunds, retries, and reconciliation
• BBPS experience preferred
• Banking / FinTech / digital payments experience preferred

Good to Have

• Kafka / RabbitMQ
• Redis
• Docker / Kubernetes
• AWS / Cloud
• CI/CD
• Prometheus / Grafana / ELK
• High-volume transaction processing

Ideal Candidate

The ideal candidate should be a strong Java Backend Engineer with hands-on UPI application experience, capable of independently developing APIs, implementing payment transaction logic, integrating external financial systems, and troubleshooting production payment issues.

Key Requirement: Strong Java expertise + hands-on live UPI application experience is mandatory. BBPS / FinTech / Banking experience is preferred.