Software Engineer — CRED Pay (UPI & Cards)

CRED's engineering team in Bengaluru is hiring Software Engineers for CRED Pay — the company's payments product enabling seamless credit card bill payment, rent payment, and UPI transactions for 13M+ premium members. **Responsibilities:** - Build secure, fraud-resilient payment flows for credit cards and UPI - Integrate with card networks (Visa, Mastercard) and RBI payment rails - Write clean, well-tested Kotlin/Go services and own them in production - Collaborate with design to deliver the premium UX CRED is known for **Qualifications:** - 2–5 years of backend engineering experience - Proficient in Kotlin (JVM) or Go - Knowledge of payment protocols (UPI, tokenisation, EMV) is a strong plus - High standards for code quality and system design