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Overview

Commerce + Ecosystems (C+E) is responsible for enabling and optimizing the end-to-end customer journey on the Microsoft Cloud.

C+E’s Commerce Financial Platforms (CFP) team is responsible for Financial Platforms, Global Payments Platforms, Employee Financial Experiences, and C+E Compliance, and also develops and operates financial commerce platforms and tools that perform all revenue management functions for our customers, partners, and staff worldwide.

As a Senior Software Engineer in the Global Payments and Cash (GPC) organization, you will design and build payment systems that operate at massive scale—processing billions of dollars securely across 200+ countries. You’ll tackle challenges like stopping fraud in real time with advanced detection systems, shaping global payment standards for seamless interoperability, and ensuring flawless performance under extreme load. Your work will include designing high-throughput APIs, leveraging Azure Confidential Compute to protect sensitive payment data during processing, and implementing secure network tokenization to safeguard transactions.

Beyond core engineering, you will explore next-generation commerce protocols and Agentic frameworks, enabling autonomous, AI-driven payment orchestration and adaptive risk management. You’ll integrate AI coding practices into backend development and contribute to building agent-based applications that redefine trust, privacy, and personalization in digital payments. This role demands expertise in scalable architectures, distributed systems, and cloud-native services, combined with a passion for innovation and security.

If you thrive on solving complex, high-impact problems and want to help define the future of global commerce, this is your opportunity to lead at the forefront of payment technology.

Microsoft’s mission is to empower every person and every organization on the planet to achieve more. As employees, we come together with a growth mindset, innovate to empower others and collaborate to realize our shared goals. Each day we build on our values of respect, integrity, and accountability to create a culture of inclusion where everyone can thrive at work and beyond.

Responsibilities

+ Collaborates with and guides appropriate internal (e.g., product manager, privacy/security subject matter expert, technical lead) and external (e.g. customer escalation team, public forums) stakeholders to determine and confirm customer/user requirements for a project/sub-section of a product/solution. Incorporates customer insights into future designs or solution fixes.

+ Leads discussions for and owns the architecture of a products/solutions and creates proposals for architecture by testing design hypotheses and develop complex design specifications. Tests and explores various design options for a complex product/solution scenario, outlining strengths and weaknesses of each option. Independently collaborates with architects to build and modify complex products/solutions, providing feedback as needed.

+ Reviews product code and test code to ensure it meets team standards, contains the correct test coverage, and is appropriate for the product or solution area. Brings insight to code reviews to help improve code quality, coaching and providing feedback to develop other engineers' skills.

+ Applies best practices to build code based on well-established methods and secure design principles while also applying best practices for new code development and formal validation of security invariants. Drives product development and scaling to customer requirements and applies best practices for meeting scaling needs and performance expectations and security promises.

+ Leverages their subject-matter expertise to partner with appropriate stakeholders (e.g., technical program managers) to drive a workgroup's project plans, release plans, and work items. Organizes work into smaller sets of tasks as part of an overall roadmap. Guides other members for project estimation and escalates issues that might cause a delay. Ensures required security protections and detection processes are accounted for in planning.

+ Acts as a designated responsible individual (DRI) and guides other engineers by developing and following the playbook, working on-call to monitor a system/product/service for degradation, downtime, or interruptions.

+ Applies appropriate coding patterns and best practices (e.g., leveraging state-of-the-art generative artificial intelligence [GenAI], approaches to source code organization, naming conventions). I

+ Leads by example within the team to produce extensible, maintainable, well-tested, secure, and performant code that adheres to design specifications.

Qualifications

Required/minimum qualifications

+ Bachelor's Degree in Computer Science or related technical field AND 4+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or Python OR equivalent experience.

+ 3+ years experience designing and developing large-scale distributed systems using cloud platforms such as Azure or AWS.

Preferred Qualifications

+ Master's Degree in Computer Science or related technical field AND 6+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or Python OR Bachelor's Degree in Computer Science or related technical field AND 8+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or Python OR equivalent experience.

+ Proven experience designing and developing large-scale distributed systems using cloud platforms such as Azure or AWS.

+ Great architectural and technical system design skills, with a focus on scalability, reliability, and performance.

+ Proficient in distributed system management and service-oriented architecture.

+ Advanced knowledge of SQL/NoSQL technologies and principles of high availability database design.

+ Deep understanding of data structures, algorithms, and object-oriented design patterns.

+ Demonstrated ability to troubleshoot complex service issues and optimize system performance.

+ Experience in E-Commerce, FinTech, Banking, or Payment domains.

+ Hands-on experience with AI coding practices and integrating AI into engineering workflows.

+ Familiarity with agentic frameworks and building AI agent-based applications.

+ Effective collaboration across geographically distributed teams and cross-functional stakeholders.

+ Passion for building highly scalable systems and continuously improving engineering standards.

+ Experience working in agile development environments with an ownership mindset

Other Qualifications

+ Ability to meet Microsoft, customer and/or government security screening requirements are required for this role. These requirements include but are not limited to the following specialized security screenings: Microsoft Cloud Background Check: This position will be required to pass the Microsoft Cloud background check upon hire/transfer and every two years thereafter.

\#C+E

\#JoinCFP

Software Engineering IC4 - The typical base pay range for this role across the U.S. is USD $119,800 - $234,700 per year. There is a different range applicable to specific work locations, within the San Francisco Bay area and New York City metropolitan area, and the base pay range for this role in those locations is USD $158,400 - $258,000 per year.

Certain roles may be eligible for benefits and other compensation. Find additional benefits and pay information here:

https://careers.microsoft.com/us/en/us-corporate-pay

This position will be open for a minimum of 5 days, with applications accepted on an ongoing basis until the position is filled.

Microsoft is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance with religious accommodations and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations. (https://careers.microsoft.com/v2/global/en/accessibility.html)