Job description

Powering the world’s payments ecosystem

ACI powers the payments ecosystem – globally, and you power ACI. You’ll 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 an Sr Software Engineer in India - Pune, you will join a diverse, passionate team, dedicated to powering the world’s payments ecosystem!

ACI Worldwide is seeking an experienced Sr Software Engineer with strong Mainframe and COBOL development expertise to join our Card & Merchant Management (CMM) engineering team. This role focuses on designing, developing, enhancing, and supporting mission-critical payment processing applications used by leading financial institutions worldwide.

The ideal candidate brings deep expertise in COBOL-based development, strong analytical problem-solving skills, experience in high-volume transaction processing environments, and a passion for adopting AI-powered engineering practices to improve quality, productivity, and operational excellence.

A typical day at ACI for a Sr Software Engineer is:

Design, develop, test, and maintain high-quality software solutions supporting ACI's card payment platforms.
Develop and support applications utilizing COBOL, JCL, DB2, and VSAM on IBM Mainframe environments.
Participate in architecture reviews, technical design discussions, and code reviews to ensure engineering excellence.
Develop and execute automated unit, integration, and regression tests to ensure product quality.
Investigate, troubleshoot, and resolve customer-reported defects and production incidents.
Collaborate closely with Product Management, Professional Services, Customer Support, and Engineering teams.
Create and maintain technical documentation, solution designs, and engineering specifications.
Participate in Agile ceremonies including sprint planning, estimation, daily standups, reviews, and retrospectives.
Drive continuous improvement initiatives focused on performance, resiliency, maintainability, and operational excellence.
Leverage AI-assisted engineering tools such as GitHub Copilot, ChatGPT, Claude, or similar technologies to enhance software development productivity and quality.
Perform other duties as assigned.
Understand and adhere to all corporate policies including the ACI Code of Business Conduct and Ethics.

Knowledge, Skills and Experience needed to succeed in this role:

Bachelor's degree in Computer Science, Information Technology, Engineering, or related discipline, or equivalent professional experience.
Minimum 8+ years of software development experience.
Strong expertise in COBOL, JCL, and DB2 development.
Hands-on experience with IBM Mainframe technologies.
Experience developing and supporting high-volume transaction processing systems.
Experience using AI-powered development tools (GitHub Copilot, ChatGPT, Claude, Cursor, or similar) to improve engineering productivity, code quality, testing, and problem-solving.
Ability to effectively apply AI solutions to software development, automated testing, troubleshooting, documentation, and operational workflows.
Experience with source code management tools such as Git.
Strong debugging, analytical, and problem-solving skills.
Experience working within Agile software development methodologies.
Excellent verbal and written communication skills.
Ability to work independently while collaborating effectively within global cross-functional teams.

Preferred Knowledge, Skills and Experience needed for the job:

Experience within the payments industry supporting Visa, Mastercard, Discover, AMEX, JCB, or other card payment networks.
Knowledge of card issuing, acquiring, authorization, clearing, settlement, or interchange processing.
Experience with Unix/Linux administration and shell scripting.
Java development experience.
Strong working knowledge of VSAM.
Experience supporting mission-critical, high-availability transaction processing environments.
Experience driving performance engineering, resiliency, and operational excellence initiatives.
Exposure to cloud-hosted payment platforms and modernization of legacy enterprise applications.
Experience working within regulated financial services environments.
Familiarity with DevOps practices, CI/CD pipelines, and automation frameworks.

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.

AI Readiness

At ACI, AI is becoming an integral part of our engineering culture. Successful candidates should demonstrate curiosity, adaptability, and practical application of AI technologies in software engineering. Candidates should be prepared to discuss:

How they currently use AI tools in their development workflow.
Examples of AI-assisted coding, testing, automation, or problem-solving.
Their approach to responsible and effective AI adoption.
Opportunities they see for leveraging AI to improve engineering productivity and software quality.

Applicants must be currently authorized to work in the India on a full-time basis. This position does not offer sponsorship for employment visa status or work permit now or in the future.

In return for your expertise, we offer opportunities for growth, career development, and a competitive compensation and benefits package—all 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 www.aciworldwide.com

ACI Worldwide is an AA/EEO employer in the United States, which includes providing equal opportunity for protected veterans and individuals with disabilities, and an EEO employer globally.

Important Notice About Recruitment Scams
Job seekers should be aware of ongoing recruitment scams where individuals or organizations impersonate legitimate companies to offer fake job opportunities. These scams often involve requests for personal information, payments, or interviews through unofficial channels. Please be cautious and verify any communications claiming to be from our company (www.aciworldwide.com / @aciworldwide.com). The ACI Worldwide recruitment team will always follow official channels and will never request payment.

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