Processing Development Engineer

About Unlimit

Unlimit is a global fintech ecosystem built to eliminate financial borders holding businesses back. The company provides the extensive infrastructure needed to scale globally, integrating payment processing, multi-currency business accounts, BaaS and crypto gateways into a single, intelligent platform.

Across 17 offices globally, Unlimit bridges hyper-local expertise with a high-capacity financial network, giving companies the agility to expand across regions with operational confidence and speed. Driving the evolution of payments, Unlimit is transforming its infrastructure from human-operated fintech into AI-native financial infrastructure — where APIs are consumed by machines, integrations are negotiated by agents, and systems evolve continuously through intelligent automation. Our next users are not only humans. They are AI agents acting on behalf of humans and businesses.

Unlimit serves more than the needs of businesses today; we are building the nervous system for a borderless global economy.

As part of our dynamic growth, we are seeking a talented and proactive Processing Development Engineer with a strong focus on process automation, system optimization, and AI-driven enhancements to join our team. The successful candidate will play a crucial role in maintaining the smooth operation of our Processing Platform (SmartVista) and providing expert technical development of our card products. The role combines processing domain expertise + backend& fronted development + automation + AI adoption. 

Responsibilities:

1. Processing Development-  Own end-to-end architecture of processing ecosystem (FE & BO)-  Configure and support SmartVista FrontEnd and BackOffice products andservices- Technical implementation of the company's new products in terms of cardprocessing (Visa & MC and other Schemes)-  Certification new products & service with Mastercard & Visa, Amex, UPI and etc.-  Translate scheme mandates into technical solution- Diagnosing software problems, localisation of the problem’s source, identifyingthe bugs-  Document SmartVista products and implementation instruction-  Test installation and new releases / patches-  Selection, planning, and coordination of architectural solutions, technology stack-  Setting up and installing authorization system releases-  Study of specifications, norms, and rules of payment networks-  Lead the resolution of client problems alongside team members.-  Actively participate in customer go-live activities and pilot phases.-  Preparation of technical requirements for system upgrades- Setting up emulators of payment systems 

2. Automation & Process Optimization-  Identify manual or repetitive operational processes and automate them- Develop scripts, workflows, and tools to improve:o Reconciliation & settlement processo Testing and release managemento Monitoringo Report submission-  Build pipelines and automated deployment processes-  Design and implement AI-driven solutions:o anomaly detection (transactions, fraud signals)o intelligent alerting and monitoringo automated root-cause analysis-  Implement test automation and regression frameworks

Requirements:

- 3+ years of hands-on experience in card processing systems, with proven expertise across the full payment lifecycle, including authorization, clearing, and settlement, and a strong understanding of end-to-end transaction flows- Strong practical experience with card processing platforms, preferably SmartVista (considered a strong advantage), or equivalent systems- Deep knowledge of payment industry standards and protocols, including ISO 8583, SOAP, REST APIs, and certification processes with major card schemes such as Visa Inc. and Mastercard-  Technical proficiency with tools and scripting languages such as Bash, SQL/PLSQL, Postman, and Python, with a practical, hands-on approach to troubleshooting and integration.-  Proficient in using banking applications, Oracle DB, WebLogic, and Bash scripting.- Experienced with Visa Edit Package, MasterCard File Express, and emulator such as MasterCard, MAX, and Visa test tools- Skilled in analyzing documentation and technical specifications from Card Schemes (Visa, Mastercard, etc.)-  Solid experience in certifying card products with major Card Schemes, ensuring compliance with regulatory and technical requirements.- Good understanding of e-commerce and digital payment technologies, including:o EMV 3-D Secureo tokenization (e.g., VTS)o Apple Pay / Google Payo recurring paymentso AVS and related mechanisms- Experience in release and change management, including planning and deployment of system updates with minimal downtime and controlled risk-  Solid understanding of application-layer protocols, particularly HTTP, and web service architecture principles- Broad knowledge of card technologies and infrastructure, including EMV, contactless (PayWave), magnetic stripe, HSMs (e.g., Thales), and key management (OBKM)- Strong learning agility and adaptability, with the ability to quickly respond to evolving scheme requirements, partner needs, and regulatory changes

Will consider as a plus:

• Strong understanding of the regulatory framework and operational rules of major payment systems and European regulators, including PCI DSS, PSD2, ATNGE, Liability Shift, etc.
• Skilled in maintaining technical documentation and producing structured,clear system documentation.
• Experience in planning and reporting activities related to payment processing.
•  Background in budgeting for payment infrastructure and project needs.
• Hands-on experience with international and local payment systems: JCB, Discover (DCI), American Express (AmEx)
• In-depth knowledge of clearing and settlement exchanges with card schemes, including MasterCard File Express, Edit Package, and related tools

Join Unlimit Team now!

Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.