Golang Engineer (Card Payments)

About BIT：BIT (formerly Matrixport) is a global digital asset financial services and infrastructure group. Headquartered in Singapore and founded in 2019, BIT bridges traditional finance and digital assets through governance-driven financial services and technology.The firm manages over US$7 billion in assets and facilitates more than US$7 billion in monthly trading volume. BIT offers services including custody, trading, asset and wealth management, liquidity and financing solutions, and tokenised real-world assets (RWA), serving institutional and professional investors globally.BIT Group entities maintain a licensed and regulated footprint across Singapore, Hong Kong, Switzerland, the United Kingdom, the United States and Bhutan.For more information, visit www.bit.comKickstart Your Journey at BIT:At BIT, we come together as a dynamic team to tackle exciting challenges head-on, creating an environment bursting with openness, transparency, and inclusivity. Every graduate is a vital part of our mission, and your ideas will always be valued. We’re searching for passionate, intellectually curious, and entrepreneurial individuals ready to make a real impact in the crypto ecosystem and help create innovative products for the next billion users.Make a Difference in the Future of Web3!Gain Hands-On Experience with Cryptocurrencies!Unlock Global Opportunities!Mentorship and Networking with Industry Leaders!Join a Fun, Vibrant, and Engaging Culture!Job ResponsibilitiesCore Business DevelopmentDesign, develop, and maintain backend services for the company's card payment and card issuing platform using Golang.Participate in the development of key business modules, including card issuing, card accounts, authorization, clearing & settlement, transaction processing, billing, rewards, and benefits systems.Card Transaction Lifecycle DevelopmentDesign and implement end-to-end card transaction processing workflows.Develop and maintain critical payment flows, including Authorization, Reversal, Capture, Refund, and Reconciliation.Ensure transaction accuracy, reliability, and consistency throughout the payment lifecycle.Architecture Design & OptimizationParticipate in system architecture design and technical solution planning.Contribute to legacy system analysis, migration, and modernization initiatives.Continuously optimize system performance, scalability, and reliability to support mission-critical financial services.Technical ExcellenceIdentify and resolve system bottlenecks and complex technical challenges.Improve system throughput, response time, and operational stability under high-concurrency environments.Ensure transaction integrity, fund security, and data consistency.Engineering QualityProduce and maintain high-quality technical documentation.Conduct code reviews and uphold engineering best practices.Develop comprehensive unit tests and integration tests to ensure system reliability and maintainability.RequirementsBasic QualificationsBachelor's degree or above in Computer Science, Software Engineering, or a related field.3+ years of backend development experience using Golang and/or Java.Hands-on experience in card issuing systems, card payment systems, or card transaction processing platforms is highly preferred.Understanding of cryptocurrency fundamentals; experience in crypto trading, payments, or financial infrastructure is a plus.Technical SkillsProgramming & Computer Science FundamentalsStrong proficiency in Golang and/or Java, with a solid understanding of concurrent programming.Strong knowledge of Linux operating systems, computer networking, and data structures.Familiarity with Kubernetes and cloud-native development concepts.Databases & MiddlewareStrong experience with MySQL and SQL performance optimization.Proficient in Redis and caching strategies, including handling cache penetration, cache breakdown, and cache avalanche scenarios.Experience with Kafka or similar messaging systems for asynchronous processing and system decoupling.Distributed SystemsSolid understanding of microservices architecture.Experience with gRPC and Protocol Buffers (Protobuf).Familiarity with service governance practices, including service discovery, circuit breaking, rate limiting, and distributed tracing.Cloud Native & DevOpsExperience with Docker, Kubernetes, and containerized application deployment.Familiarity with CI/CD pipelines and modern software delivery practices.AI-Driven DevelopmentProficient in using AI-assisted development tools such as Claude Code, Codex, or similar solutions.Able to integrate AI-powered workflows into daily development processes to improve productivity and engineering efficiency.Demonstrated ability to design and build high-value AI-assisted development workflows.Preferred QualificationsExperience building systems for licensed card issuers, acquirers, payment processors, or third-party payment institutions.Familiarity with ISO 8583, ISO 20022 messaging standards, or integration with card networks and issuing partners.Experience with crypto payment infrastructure, crypto cards, fiat on/off-ramp solutions, or digital asset payment systems.Experience building accounting, reconciliation, treasury, or risk-control systems for high-volume financial transactions.Familiarity with PCI-DSS and payment security/compliance standards.Proven experience leading payment system development from scratch (0-to-1) or participating in large-scale core system migration projects.Embrace the opportunity to thrive and grow with us as we shape the future together at BIT!By submitting a job application, you confirm that you have read and agree to our Candidate Privacy Policy. <https://www.bit.com/privacy-candidate>