Principal Software Engineer (Java)

Powering the worlds payments ecosystem

ACI powers the payments ecosystem globally and you power ACI. Youll innovate collaborate and grow in an energetic technology culture with decades of proven success. ACIers in all roles and levels are truly your colleagues and many are your friends. Our size and reach allow you to see the global impact of your work. You are visible your talents are valued and you are empowered to shape the future of payments.

As a Principal Software Engineerin Bangalore you will join a diverse passionate team dedicated to powering the worlds payments ecosystem!

Job Summary

ACI Worldwide is seeking a highly experienced Principal Software Engineer to lead the architecture design and modernization of enterprise-scale payment solutions. This role is ideal for a hands-on technical leader with deep expertise in Java/J2EE Spring Boot Microservices Cloud Technologies Angular as UI development and Distributed Systems who can drive technical strategy influence engineering direction and mentor development teams across the organization.

Key Responsibilities

• Define and drive architecture technical strategy and engineering standards for mission-critical applications.
• Lead the design and development of scalable secure and high-performance Java-based enterprise solutions.
• Drive modernization initiatives including cloud-native and microservices architectures.
• Provide technical leadership across multiple teams and serve as the escalation point for complex architectural challenges.
• Partner with Product Engineering and Business stakeholders to align technology investments with business objectives.
• Mentor senior engineers and promote engineering excellence innovation and best practices.

Required Qualifications

• Bachelors degree in Computer Science or related field.
• 10 years of software engineering experience with proven technical leadership.
• Extensive experience designing and delivering large-scale enterprise applications.
• Strong experience leading architecture and development across multiple teams.
• Experience in Payments Financial Services FinTech or other regulated industries preferred.

Technical Expertise

• Expert-level experience with Java J2EE/Jakarta EE Spring Spring Boot Hibernate/JPA.
• Deep expertise in Microservices Architecture REST APIs Event-Driven Systems and Distributed Computing.
• Strong knowledge of Cloud Platforms (AWS/Azure/GCP) Docker Kubernetes/OpenShift and CI/CD practices.
• Experience with Kafka Messaging Frameworks API Gateways and High-Volume Transaction Processing Systems.
• Experience with Angular as UI development
• Strong understanding of application security scalability performance optimization and reliability engineering.
• Experience evaluating and adopting emerging technologies including AI-powered engineering tools.

AI & Emerging Technologies

• Proven experience evaluating and integrating AI/ML capabilities into enterprise applications and platforms.
• Strong understanding of Generative AI Large Language Models (LLMs) Retrieval-Augmented Generation (RAG) AI agents and prompt engineering concepts.
• Experience designing and consuming AI-powered APIs and services (e.g. Azure AI OpenAI AWS AI Services).
• Ability to identify business use cases where AI can improve customer experience operational efficiency product capabilities and engineering productivity.
• Experience establishing governance security privacy and responsible AI practices for enterprise solutions.
• Demonstrated use of AI-assisted development tools (GitHub Copilot Cursor AI coding assistants etc.) to accelerate software delivery and improve code quality.
• Ability to drive technical strategy and architectural decisions related to AI adoption across engineering organizations.

Professional Skills

• Exceptional communication and stakeholder management skills.
• Strong architectural thinking with a business-outcome mindset.
• Ability to influence technical direction without direct authority.
• Passion for mentoring and developing engineering talent.

Preferred Qualifications

• Experience building enterprise payment processing or financial technology platforms.
• Cloud certifications and enterprise architecture experience.
• Proven track record of leading large-scale modernization and digital transformation initiatives.
• Industry thought leadership publications patents or conference speaking experience.

Ideal Candidate

The ideal candidate combines deep expertise in Java/J2EE Microservices Cloud and Distributed Systems with the ability to architect and scale AI-enabled enterprise solutions driving innovation while ensuring security reliability and business value.

Core Capabilities

We seek colleagues who embody our core capabilities these shape our culture and enable us to make a meaningful impact together:

• Ensure Accountability:holding self and others accountable to meet commitments.

• Drives Results:consistently achieving results even under tough circumstances.

• Customer Focus:building strong customer relationships and delivering customer-centric solutions.

• Cultivate Innovation:creating new and better ways for the organization to be successful.

• Collaborates:building partnerships and working collaboratively with others.

• Courage:stepping up to address difficult issues saying what needs to be said.

In return for your expertise we offer opportunities for growth career development and a competitive compensation and benefits packageall within an innovative and collaborative work environment.

Are you ready to help us transform the payments ecosystem To learn more about ACI Worldwide visit our web site at

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