Sr SW Engineer, Interest Engine

Visa Interest Engine Team Position

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

The Interest Engine team is accountable for the design, development, and operation of the Interest Engine, the system responsible for configuring and calculating interest across core banking financial products. The team ensures consistency, scalability, performance, and cost efficiency, supporting critical financial calculations that power multiple products within the platform. The Interest Engine plays a key role in enabling reliable, accurate, and resilient financial operations at scale.

What You'll Do

• Design, develop, and evolve platform functionalities focused on interest calculation and financial processing, ensuring consistency, scalability, and cost‑efficient solutions.
• Contribute to feature evolution and system maintenance within a hybrid architecture, including Java‑based microservices and transactional processing using Big Data tools such as Databricks and Airflow.
• Support the team by identifying and removing technical impediments, promoting continuous improvement and operational excellence.
• Coordinate technical refinement activities based on business specifications, translating functional requirements into scalable technical solutions.
• Communicate effectively with stakeholders throughout the product development lifecycle, keeping them informed of progress, risks, and dependencies.
• Develop technical tasks, prioritize work items, and actively manage the backlog in alignment with product roadmaps and delivery goals.
• Leverage available AI‑assisted development tools to improve team processes, development efficiency, and code quality.
• Conduct stress, load, and performance testing to validate system reliability and scalability under high‑throughput conditions.
• Demonstrate strong technical understanding to analyze requirements and contribute to solution design with minimal guidance.
• Identify, propose, and implement improvements to system design and interface features across one or more project components.
• Apply standard software engineering practices using programming languages such as Java and Python to deliver high‑quality, maintainable code.
• Collaborate with cross‑functional teams to pilot new technologies and capabilities that enhance system performance and user experience.
• Analyze and debug issues in distributed systems, using appropriate tools to validate assumptions and resolve defects efficiently.

This is a remote position. A remote position does not require job duties be performed within proximity of a Visa office location. Remote positions may be required to be present at a Visa office with scheduled notice. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

For this role, you must be based in Brazil

Language Skills

• Proficiency in English at B2 level or above (Upper‑Intermediate)

Technical Skills

• 4+ years of experience in product development or software engineering roles within the technology or financial services sector.
• Strong proficiency in Java, with working knowledge of Python and/or Big Data tools such as Databricks, Airflow, or Spark.
• Solid experience designing and developing microservices architectures with a focus on resilience, performance, and scalability.
• Proficiency in cloud‑native development, preferably on AWS.
• Ability to design architectures with attention to reliability, cost efficiency, and operational performance.
• Experience solving complex problems related to concurrency, multi‑threading, and latency in distributed systems.
• Demonstrated experience managing technical backlogs and supporting product roadmaps in collaboration with Product teams.
• Strong communication skills, both verbal and written, with the ability to clearly articulate priorities and technical concepts.
• Experience working independently in a remote, multicultural team environment.
• Hands‑on experience with CI/CD pipelines and modern development practices.
• Availability to participate in the team's on‑call rotation as required.
• Strong troubleshooting skills and experience working with observability tools (Grafana preferred).
• Growth mindset with curiosity and passion for technology, thriving in complex and globally scaled environments.
• Comfort challenging the status quo and proposing innovative solutions beyond traditional approaches.
• Experience building, deploying, and operating modern services and applications with high quality and scalability.
• Strong collaboration skills, partnering closely with Product, QA, DevOps, and Agile/Scrum teams.

Preferred Qualifications

• Experience with Infrastructure as Code (Terraform or similar tools).
• Previous experience working in multi‑cloud environments, particularly AWS and Azure.

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.