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Principal Software Engineer
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Added 1 min ago
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Staff SW Engineer
Visa U.S.A. Inc.
Austin, TX
Visa will accept applications for this role until at least 11-03-2026
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- $90,000 to $200,000 USD / year
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- $90,000 to $200,000 USD / year
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Senior Lead Software Engineer
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United States
As a Senior Lead Software Engineer in Finance Technology, you will lead the design, development and delivery of mission-critical applications that power Citi's global finance platforms. You…
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Visa Technology and Operations LLC

Staff Software Engineer

Austin, TX, United States

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Job details

Posting language: English
Posted: Nov 2, 2026

Original job description

About Us

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

Role Summary:

Software Development Engineers are expert problem-solvers and builders who design, implement, and improve software applications and systems. In this role, engineers spend approximately 60–75% of their time coding, working hands-on with code, data, and modern tools (including AI-assisted development, cloud services, and automation frameworks) to deliver secure, scalable, and high-quality technology solutions that drive business outcomes in the fintech sector. They collaborate with cross-functional teams – product managers, designers, data scientists, QA, operations, and compliance – to translate business requirements into robust technical solutions, all while adhering to best practices, security standards, and regulatory requirements.

All roles require digital fluency, including the ability to work with emerging technologies such as Generative AI tools (e.g. ChatGPT, Microsoft Copilot) to support everyday work.

Key Responsibilities:

Collaborate with stakeholders to determine requirements for product components and incorporate feedback into future designs or solutions.
Translate functional requirements into system designs and communicate component interactions, ensuring alignment with business needs and timelines.
Design and develop product components, refine code plans, and lead design reviews to ensure completeness and adherence to requirements.
Contribute to project estimation, considering delivery costs and escalating issues that may cause delays.
Lead by example in creating, implementing, and maintaining extensible, reusable code, and drive code quality through metrics and best practices.
Apply debugging tools to resolve moderately complex issues and identify opportunities for automation across products.
Lead code reviews, ensuring adherence to coding standards and providing feedback to team members.
Create complex test plans, identify test gaps, and proactively address defects to minimize customer impact.
Leverage data analysis and monitoring standards to identify patterns and defects in all environments.
Respond to incidents during on-call rotations, troubleshoot complex issues, and assist in incident response and resolution.
Build, enhance, and identify new developer tools to support programs and applications.
Proactively seek new knowledge and adapt to trends and technical solutions to improve product performance and recommend resources to other engineers.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications:

5+ years of relevant work experience with a Bachelor's Degree or at least 2 years of work experience with an Advanced Degree (e.g., Master's, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.
Experience in software engineering or a directly related field.
Experience in developing and/or implementing web-based or mobile applications.
Experience in a leadership role with or without direct reports.
Experience in technologies/software systems or a directly related field.
Experience in creating and maintaining test plans and executing testing procedures.
Experience in debugging and troubleshooting software issues.
Experience in collaborating with cross-functional teams to deliver technical solutions.
Experience in code review and applying coding standards.
Experience in building or enhancing developer tools.
Practical exposure to AI/ML or GenAI solutions, with the ability to assess use cases, integration approaches, limitations, risks, and production-readiness.

Preferred Qualifications:

6 or more years of work experience with a Bachelor's Degree or 4 or more years of relevant experience with an Advanced Degree (e.g., Master's, MBA, JD, MD) or up to 3 years of relevant experience with a PhD.
Experience building high-volume, highly available, consumer- or client-facing platforms.
Hands-on exposure to public cloud platforms and managed AI services.
Experience prototyping or delivering RAG, semantic search, conversational AI, or agentic workflow solutions.
Knowledge of model evaluation, hallucination mitigation, AI observability, token and infrastructure cost management, and privacy controls.
Experience mentoring engineers and influencing technical direction across multiple teams.

Technical Skills:

Java: Advanced proficiency in core Java, concurrency, collections, JVM fundamentals, performance tuning, and modern language features.
Backend Engineering: Strong experience with Spring Boot, Spring Framework, JPA/Hibernate, REST APIs, microservices, and distributed systems.
Front-End Engineering: Good knowledge of modern web development using Angular or React, TypeScript, JavaScript, HTML5, CSS3, responsive design, component-based architecture, state management, accessibility, and secure integration with REST APIs.
Database Engineering: Strong knowledge of relational databases, SQL, data modeling, schema design, indexing, query optimization, transactions, and performance tuning, with working experience in NoSQL databases, caching, and Java data-access frameworks such as JPA/Hibernate.
Data and Messaging: Experience with relational databases, SQL, NoSQL technologies, caching, and messaging platforms such as Kafka or NATS.
Cloud-Native Delivery: Hands-on experience with Docker, Kubernetes, Linux, infrastructure environments, and CI/CD tools such as Maven, Gradle, Jenkins, or equivalent platforms.
Security: Knowledge of secure coding, OAuth 2.0, OIDC, API security, secrets management, vulnerability remediation, and enterprise security standards.
Observability: Experience with application logging, metrics, tracing, alerting, and tools such as Splunk, Prometheus, Grafana, or OpenTelemetry.
Testing: Strong experience with JUnit, Mockito, automated integration testing, code-quality tools, and test-driven development.
AI/GenAI: Good understanding of LLMs, prompt engineering, embeddings, vector databases, RAG, model APIs, AI agents, evaluation, and responsible-AI practices.
AI Integration: Ability to integrate AI services through APIs or SDKs; familiarity with frameworks such as Spring AI, LangChain4j, LangChain, or equivalent is desirable.

Information for US Applicants For roles located in the US, the estimated salary range for this position is $133,300.00 to $ 213,400.00 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity.Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401(k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program. Work Hours Varies upon the needs of the department.

Travel Requirements This position requires travel 5-10% of the time.

Mental/Physical Requirements This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

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 protect veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law.

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More about this job

Skills

Software development
Regulatory compliance
Security regulations
Negotiate with stakeholders
Estimating
Debugging
Data analysis
Troubleshoot
Incident response
Troubleshooting
ML
Workflow
Coaching
Oracle Java
Modern languages
Spring Boot
Spring Framework
API development
Microservices
Web development
React
TypeScript
JavaScript
HTML
CSS
SQL
Data modelling
NoSQL
Apache Kafka
Docker
Kubernetes
Linux
CI/CD
Apache Maven
Gradle
Jenkins
Splunk
Prometheus
Grafana
JUnit

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