Software Development Engineer III , Amazon Pay Credit and Lending

DESCRIPTION

Are you ready to shape the future of credit and lending for millions of customers? Join Amazon Pay’s fintech team where you’ll build innovative payment solutions that transform how customers access credit. As a Senior Software Development Engineer, you’ll tackle complex technical challenges in designing and scaling financial products across emerging markets.

This role offers a unique opportunity to influence next-generation payment methods while working on high-impact financial products that directly improve customer shopping experiences. You’ll collaborate with cross-functional teams to architect robust, scalable systems that handle real-world financial transactions at Amazon scale, making meaningful contributions to credit and lending businesses.

Key job responsibilities

• Work with product managers in developing a strategy and roadmap to provide compelling capabilities for our customers.
• Work closely with SDEs, Sr SDEs, and SDMs to develop the best technical approach for new product development to solve business problems.
• Instill best practices for software development and documentation and deliver high-quality work on tight schedules.
• Design, implement, test, deploy, and maintain innovative software solutions to transform service performance, durability, cost, and security.
• Use software engineering best practices to ensure a high standard of quality for all team deliverables.
• Write high-quality distributed system software.
• Work in an agile development environment, where you are always working on the most impactful priorities.
• Stay abreast of industry trends, technologies, and new services, and make recommendations for technology improvements that will help shape the future of payment platform architectures.
• Deliver Proof-of-Concepts and proposals for integrations with emerging technologies.
• Operational Excellence — monitoring and operation of production services.

A day in the life
Your day starts with design reviews where you collaborate with engineers to evaluate technical approaches for new credit features. You’ll spend time coding full-stack solutions, writing clean and maintainable software that handles financial transactions securely. Throughout the day, you engage in operational excellence activities, monitoring system health, responding to operational events, and implementing improvements that enhance reliability. You participate in inclusive technical discussions, mentor teammates through code reviews, and balance new feature development with operational priorities to ensure customers have seamless access to lending products.

About the team
Amazon Pay’s credit and lending team operates at the intersection of payments and financial innovation. The team builds and scales financial products that enable customers to access credit seamlessly within their shopping experience. The team values collaboration and technical excellence, creating an environment where engineers grow their expertise while delivering high-impact solutions.

Join a team that thrives on solving complex problems in the fintech space, where your contributions directly influence how millions of customers access credit. The team fosters knowledge-sharing and mentorship, providing opportunities to work on challenging technical problems while building innovative financial products that operate across different markets and regulatory environments.

BASIC QUALIFICATIONS

• 5+ years of non-internship professional software development experience
• 5+ years of programming with at least one software programming language experience
• 5+ years of leading design or architecture (design patterns, reliability and scaling) of new and existing systems experience
• Experience as a mentor, tech lead or leading an engineering team
• Bachelor’s degree in computer science or equivalent

PREFERRED QUALIFICATIONS

• 5+ years of full software development life cycle, including coding standards, code reviews, source control management, build processes, testing, and operations experience

Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in is…