Engineering Lead, PayIn

The role

The Engineering Lead, PayIn will lead the team responsible for how money enters Payabli. You will build and scale payment APIs, recurring billing, and funding systems while integrating AI and risk intelligence.

What you will do

• Build, develop, and retain a high-performing distributed engineering team.
• Partner with PayIn Product to deliver an ambitious roadmap.
• Scale payment APIs, recurring billing, invoices, and digital wallets.
• Manage batching, funding, transfers, and reconciliation.
• Maintain production-grade integrations for card processors, ACH, and check processing.
• Build an engineering culture focused on speed and safety.
• Define SLOs for payment success, latency, and funding timeliness.
• Scale knowledge through architecture docs, runbooks, and on-call practices.
• Partner with AI and Risk Engineering to build real-time risk scoring and agentic workflows.

Required qualifications

• 10+ years building and operating production backend systems.
• 3+ years leading engineering teams responsible for business-critical services.
• Payments experience in payment acceptance, gateways, acquiring, or funding (card, ACH, or both).
• Experience scaling a critical team and its systems through growth in volume and complexity.
• Experience defining expectations, building accountability, and making people decisions.
• Experience building visibility through metrics, SLOs, and incident practices.
• Ability to make hard technical calls and evaluate designs.
• Deep hands-on backend engineering experience in a modern language.
• Understanding of distributed systems, relational databases, background processing, and cloud services.
• Experience designing and evolving RESTful and event-driven APIs.
• Clear communicator who can influence partners, PMs, or salespeople.

Nice to have

• Experience integrating directly with card processors and acquirers.
• Card-present experience including semi-integrated terminals, Tap to Pay/SoftPOS, or device management.
• Check processing experience including lockbox, X9, or remote deposit capture.
• Deep familiarity with ACH and NACHA rules.
• Experience with surcharging, convenience fees, split funding, or recurring billing platforms.
• Familiarity with PCI DSS and tokenization.
• Experience leading distributed teams across time zones.
• Experience at a vertical SaaS or embedded payments platform.

Benefits

• Competitive salary
• Stock options with the potential to unlock more equity
• Flexible PTO
• Paid parental leave
• Medical, dental, & vision insurance
• 401K
• HSA
• Pre-tax savings programs

Before you apply

• Principals only.
• No external agency submissions.
• Candidates must apply directly.

About the company

Payabli is the Intelligent Fintech Operating System for software platforms. It provides PayFac capabilities, embedded payment acceptance, and intelligent payment operations through a developer-friendly API.