Software Developer (Payments)

Reimagine access. Reimagine ownership. Build the future with Cinch.

Cinch is Southeast Asia’s leading circular tech subscription company, redefining how people and businesses access technology. Instead of adding to the growing e-waste crisis, we enable affordable, sustainable access to devices through subscriptions that maximize reuse and extend their lifecycle. We operate across B2C, B2B, and B2B2C channels, including major partnerships with global leaders like Samsung. Our model sits at the intersection of powerful mega trends — sustainability, embedded finance, and the shift from ownership to access — creating a massive opportunity to reshape the future of tech consumption. At Cinch, we are builders with high standards, a bias for action, and a shared mission to create a generational company that outlasts us. Freshly funded by leading institutional investors and growing rapidly, we’re creating an environment where ambitious people can do the best work of their careers — and where the work has real, lasting impact.

Key Responsibilities

• Build and scale backend infrastructure for subscriptions, billing, and payment processing systems.
• Design and maintain high-throughput microservices using Go, with well-defined API contracts (gRPC/REST).
• Manage a MySQL-based ledger and billing schema with a focus on ACID compliance and reliable state transitions.
• Implement resilient strategies such as payment retries, circuit breakers, and fallback mechanisms across multiple payment gateways (e.g., Visa, MasterCard, AMEX).
• Collaborate with product, operations, and finance teams to deliver billing insights, support refunds, and uphold data accuracy.
• Automate CI/CD pipelines using GitHub Actions, Docker, and Terraform within AWS environments (ECS, RDS, S3).
• Contribute to defining and upholding best practices for compliance and security (e.g., PCI/DSS, data privacy, SLOs).

About You

• 3+ years of backend development experience, with:
  • Hands-on production experience in Go (Golang)
  • Proficiency in MySQL, including transactions, locking mechanisms, and schema design
  • Familiarity with cloud platforms (preferably AWS) and Infrastructure-as-Code tools like Terraform
  • Expertise in building resilient payment systems with idempotent endpoints, retry logic, and reconciliation workflows
  • Experience with CI/CD processes, containerized environments, and observability tools (Prometheus, Grafana, logging/tracing frameworks)
  • Strong understanding of subscription models, billing cycles, and financial edge cases
• Clear communicator with the ability to explain technical decisions and work effectively in cross-functional teams

Nice to Have

• Experience with event-driven or workflow orchestration technologies such as Kafka or Temporal
• Understanding of fraud detection methods or financial analytics platforms
• Exposure to modern developer tools such as VectorDBs, retrieval-augmented generation (RAG) frameworks, or AI-assisted coding environments (e.g., GitHub Copilot, Cursor AI)
• Background in fintech, telecommunications, or subscription-driven products