Full-stack Developer

Role Overview

Join Clearcred Technology Private Limited as a Full-stack Developer responsible for creating and managing web applications that facilitate UPI Pay-In, collections, payouts, and reconciliation services. You'll develop dashboards for merchants, banks, and admin users that provide instant access to transaction data.

Key Responsibilities

• Design and maintain secure RESTful APIs for clients, merchants, and partner banks to interact with payment services.
• Integrate with partner bank APIs supporting UPI, IMPS, NEFT, payout transactions, and settlement file processing.
• Implement AEPS, DMT, and BBPS services by connecting to sponsor banks and BBPS operators through APIs.
• Create mobile-responsive portals for agents and retailers to access AEPS, DMT, and BBPS functionalities.
• Manage callbacks, webhooks, transaction status verifications, and retry mechanisms to ensure reliable processing.
• Develop automated reconciliation modules to handle bank statements, NPCI files, and settlement data efficiently.
• Build MIS reporting tools alongside ledgers, wallet management, and commission calculation modules.
• Implement onboarding and KYC workflows for various users including merchants, agents, and clients.
• Enforce security protocols such as encryption, request signing, IP whitelisting, and role-based access controls.
• Ensure compliance with data security mandates from RBI, NPCI, and partner bank audits.
• Optimize database queries and overall system performance to handle large volumes of transactions smoothly.
• Produce clean, maintainable, and well-documented code; participate actively in code review processes.
• Collaborate with outsourced technical partners for task handovers, software releases, and resolving production issues.
• Provide production monitoring, troubleshoot incidents, and conduct root cause analysis for problems encountered.