Software Dev Engineer II, Amazon 1P Credito, Payments

Are you excited about building the future of digital lending at massive scale? Do you want to design and build systems that power credit experiences for millions of customers in one of the world's largest and fastest-growing fintech markets? The Credit & Lending team at Amazon Pay is building Amazon's next-generation lending platform to enable seamless credit experiences for millions of customers across Latin America. We are looking for a strong Software Development Engineer to join our Brazil engineering team and build highly scalable, resilient lending systems from the ground up. This is a greenfield opportunity. You'll design and deliver critical components of the lending platform including underwriting, loan servicing, repayments, regulatory reporting, and customer-facing experiences. You'll work with latest fintech challenges: real-time decisioning, payment orchestration, compliance automation, and financial data integrity at scale. This role is ideal for an engineer who wants deep ownership, loves solving hard technical problems, and is energized by the ambiguity and pace of building something new in a regulated, high-stakes domain.

Design and build core services for the 1P Lending platform in Brazil—spanning underwriting, servicing, repayments, accounting, and compliance. Write high-quality, production-ready code for backend and Frontend services, with a focus on reliability, testability, and operational excellence. Own system architecture decisions for your area—API design, data modeling, event-driven flows, and integration patterns with internal and external partners. Build for compliance—implement systems that meet Brazilian financial regulations (Central Bank reporting, PIX, Open Finance) with auditability and data integrity baked in. Operate what you build—own monitoring, alarming, on-call, and incident response for your services. Drive high availability and low-latency targets. Solve ambiguous problems—break down complex business and regulatory requirements into clean, extensible technical solutions. Collaborate cross-functionally—work closely with product, finance, tax, risk, legal, and partner integration teams to translate requirements into working systems. Contribute to platform reuse—build shared libraries, frameworks, and architectural patterns that enable scaling across LATAM markets. Raise the bar—participate actively in code reviews, design reviews, and hiring. Mentor junior engineers and contribute to team culture. Key job responsibilities - Integrate new payment methods (e.g. local credit/debit cards, digital wallets, bank transfers) into the Amazon platform - Enhance existing payment flows to optimize conversion, reduce friction, and improve reliability - Ensure payment systems are highly available, secure, and able to handle growing transaction volumes - Participate in code reviews, testing, and deployment processes to maintain quality - Identify and resolve performance bottlenecks and technical debt A day in the life Own a critical product pillar of the 1P Lending platform in Brazil (define the product vision, technical strategy, and execution roadmap. Work with a team of 7-8 SDEs, setting a high bar for engineering excellence, code quality, operational rigor, and customer obsession. Be an engineering voice on the ground, driving local execution while staying tightly connected to the broader LATAM and global platform teams. Design and build highly scalable, resilient, and secure distributed systems for real-time underwriting, loan servicing, repayments, accounting, and compliance. Drive technical decisions on architecture, API design, data modeling, and system integration with internal services and external financial partners. Navigate regulatory and compliance complexity—partner with legal, finance, tax, and risk teams to build technology that meets Brazilian financial regulations (Central Bank, PIX, Open Finance). Establish operational excellence—own system