Software Engineer - Sr. Consultant level – Open Banking (11-14 years' experience, GenAI, Java)

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Tink, delivering Open Banking Solutions as a part of Visa, is building an open banking platform that enables banks, fintech and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe & US. Our solutions are ready-to-go products, each developed to solve specific problems and bring value to both businesses and their customers.

As part of the initiative, we are building Visa’s Open Banking engineering team in Bangalore—designed from the ground up to be AI-first. Every engineer in this team will work in close collaboration with Generative AI agents as development companions, leveraging Visa’s extensive portfolio of AI models, tools, and experimentation platforms. This AI-augmented approach will supercharge every stage of the engineering lifecycle—from solution design and code generation to testing, deployment, monitoring, and continual service improvement—enabling us to deliver innovative, high-quality connectivity solutions at unprecedented speed and scale.

Role Overview:

As a Sr Consultant Software Engineer in this team, you will:

• Develop and design advanced end-to-end architect solutions that are robust and scalable, considering integrations with other solutions across the internal technical ecosystem
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads
• Make a difference on a global or local scale through mentorship and continued learning opportunities
• Build high-performance, scalable APIs integrating with both documented and undocumented banking interfaces.
• Co-develop integrations / features side-by-side with GenAI agents to dramatically increase speed-to-market and code quality.
• Operate in a true DevOps model—owning build, deploy, and maintain responsibilities in the cloud.
• Continuously experiment with Visa’s rich portfolio of Generative AI models (transformers, LLMs, GANs, VAEs, multimodal models) and cutting-edge AI tools for production and innovation.
• Deliver new features on a rapid cadence (every few days) with end-to-end accountability.

What You Will Do:

Generative AI Leadership & Architecture:

• Demonstrate ownership of AI‑powered product features from concept to production, including model selection, fine‑tuning, and integration into scalable systems.
• Lead proof of concept initiatives to validate new AI capabilities before scaling.
• Partner with GenAI agents for design, code generation, refactoring, and automated testing.
• Experiment in Visa’s AI sandbox, where multiple GenAI models and frameworks are available for employee-driven innovation.
• Apply Generative AI models to complex API integration challenges, anomaly detection, and intelligent automation.

Open Banking Integrations:

• Work directly with product owners to gather and refine requirements across products, adding and taking into account existing tools and solutions across the organization.
• Provide domain expertise on the development of technical documentation of solutions and contributes to standard processes in technical documentation as needed
• Build components integrating with banks’ APIs to aggregate and enrich consumer financial data.
• Handle high-load systems with stringent uptime requirements.
• Work with Visa’s Tink technologies stack: Java, Node.js, JavaScript, AWS, Kubernetes, Docker, SQL, Datadog and much more.

Cloud-Native DevOps:

• Own end-to-end delivery: design, build, deploy, monitor, and maintain services in AWS/Kubernetes/Docker environments.
• Implement CI/CD pipelines, infrastructure-as-code, and automated observability using Datadog and related tooling.
• Participate in on-call rotations to ensure high availability and operational excellence.

Collaboration & Mentorship:

• Provide technical leadership and mentorship to a team of engineers, fostering a culture of innovation and excellence.
• Contribute to AI-first engineering culture—sharing learnings from model experimentation and leveraging AI engineering assistants.
• Your DNA would include following and creating software best practices and processes
• Present technical solutions, capabilities, considerations, and features in business terms. Effectively communicate status, issues, and risks in a precise and timely manner.
• Collaborate with senior technical staff and Product Managers to identify, document, plan contingency, track and manage risks and issues until all are resolved.
• You’ll lead meeting and discussions with cross-functional and non-technical teams
• You have excellent communication and interpersonal skills and above all, you are a team player!

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

We are looking for a Sr. Consultant Software Engineer with experience of building innovative and scalable products. You understand the trade-offs of speed vs quality on technical decisions and look at problems from different angles. You also invest time in your own, and the team's development to build up your overall knowledge.

We would like you to have:

• Bachelor degree in Computer Science or an Advanced Degree with at least 11-14 years of Software Development Experience.
• Experience in evaluating and integrating multiple Generative AI architectures (transformers, LLM ensembles, multimodal pipelines, GANs, VAEs) into diverse business contexts.
• Rich Experience of prompt engineering and tooling orchestration for AI agents in enterprise environments, ensuring reproducibility and compliance.
• Proven track record of experimenting with and benchmarking multiple AI models in sandbox environments to select optimal solutions for production.
• Strong and proven record of leading technical architecture for new systems and enhancing and modernizing legacy systems
• Proven, production grade experience in leading technical teams End-to-End for on-time delivery of high-quality solutions that conform to requirements, conform to the architectural vision, and comply with all applicable standards.
• Extensive experience working with Java/J2EE
• Experience with cloud-native DevOps:
• AWS, Kubernetes, Docker, CI/CD pipelines, infrastructure-as-code
• Experience in agile product-centric environments with rapid iteration cycles.
• Experience with Agile and Test-Driven Development methodology.
• Strong analytical skills with excellent problem-solving ability.
• Ability to present complex ideas in a clear, concise way.

Nice-to-have:

• Operational excellence & incident response experience.
• Financial API integration experience.
• Experience mentoring engineers in AI-assisted development.

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.