payabli - Engineering Lead, PayIn

• These are the core requirements for the role. We don't expect every candidate to check all of them, but this is a senior bar and we're looking for genuine depth across most. • 10+ years building and operating production backend systems, including 3+ years leading engineering teams responsible for business-critical services. • Payments experience is required. You've built or led systems in payment acceptance, gateways, acquiring, or funding - card, ACH, or both - and you know what happens to a payment after authorization. • You've scaled a critical team and its systems. You've led through significant growth in volume, partners, and complexity, and can show how reliability, quality, and delivery improved together. • You set expectations and hold the line. You define what good looks like, build accountability, and make hard people decisions - hiring, performance, team structure - with care and conviction. • You build visibility. You know what's happening across your team and systems before anyone has to ask, through the metrics, SLOs, incident practices, and operating rhythms you put in place. • You make hard technical calls. You weigh speed against scale and technical debt, stay close enough to the code to evaluate a design, and earn the respect of senior engineers. • Deep hands-on backend engineering experience in any modern language. We care that you understand distributed systems, relational databases, background processing, and cloud services from first principles, not which syntax you learned them in. • Experience designing and evolving RESTful and event-driven APIs that external developers depend on - versioning, backward compatibility, idempotency, and webhooks. • Clear communicator who can influence. You can explain a tradeoff to a partner, a PM, or a salesperson, and you push back - including on us - when the evidence says we're wrong. • Experience integrating directly with card processors and acquirers, including settlement and funding files. • Card-present experience - semi-integrated terminals, Tap to Pay/SoftPOS, or device management at scale. • Check processing experience - lockbox, X9, or remote deposit capture. • Deep familiarity with ACH and NACHA rules, including same-day ACH, returns, and SEC codes. • 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, where partners build their own product on your APIs. • We think you'll love being part of our team because • At Payabli, you'll have a front row seat into building a high-growth venture backed fintech company. As a senior leader in Operations, you'll shape how the organization scales and be the driving force behind our AI-first operations strategy — directly influencing how we build, automate, and optimize for the future. You'll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us. We're a values driven company that cares deeply about our team, partners, and customers. Our north star values are: • 🤝 Team Love = Customer Love — You understand that when you build great products for your internal partners, they deliver exceptional experiences to merchants. You obsess over the platform partners and businesses that depend on every payout landing on time. • 🔥 Run to the Fire — When ACH returns spike or a card program hits a snag, you're the first one in the war room. You don't shy away from hard problems—you chase them. You volunteer for the complex, messy challenges others avoid. • 🔍 Little Things Count — You sweat the details because you know a single decimal error in a payout can damage a business. You double-check edge cases, validate every assumption, and understand that excellence lives in the details. • 💎 Truth Seekers — You give direct feedback, receive it with grace, and never let ego get in the way of finding the right answer. You document what you don't know, admit mistakes quickly, and hold yourself accountable in the open. • 🚀 Relentlessly Curious — You're constantly asking "what if?" and "why not?" You study how competitors solve problems, explore adjacent industries for inspiration, and never stop learning about the payments ecosystem. • We build technology that gets noticed and a workplace where people want to grow their careers. Our work has been recognized by some of the industry’s most respected organizations, including being named No. 43 on the 2026 Inc. 5000, marking our third consecutive year on the list. Payabli was also named to the 2026 Forbes Fintech 50, recognizing the most innovative private companies in financial technology, Inc.’s 2025 Best Workplaces, and Built In’s 2026 Best Places to Work in Miami. • WHAT WE CAN OFFER YOU