Job Description:
JPMorgan Chase is seeking a Principal Engineer for our Card Services Technology organization. You will own the application architecture of our card network platforms - designing, building, and evolving the Python-based services that power Chase's credit and debit card processing. You'll write production code, set engineering standards, and be accountable for the technical quality of software that processes billions of transactions annually.
Responsibilities
Architect and develop Python microservices and APIs integrating with Visa, Mastercard, and debit networks (Interlink, Pulse, NYCE, STAR)
Own application design across core domains: authorization, clearing, settlement, dispute management, and fraud
Define data models, event schemas, and API contracts across card processing platforms
Lead architecture reviews and produce ADRs for new capabilities and modernization efforts
Build internal frameworks, libraries, and SDKs used across card technology teams
Establish Python engineering standards - code structure, testing, CI/CD, observability, and API design
Drive decomposition of legacy and mainframe-adjacent systems into clean service-oriented architectures
Mentor staff and senior engineers on design patterns and software craftsmanship
Required Qualifications
10+ years of software engineering; 5+ years at principal-level or above
Expert Python: FastAPI, asyncio, Pydantic, SQLAlchemy, pytest
Strong application architecture background - microservices, event-driven design, DDD, clean/hexagonal architecture
Solid understanding of card network processing: authorization flows, ISO 8583, clearing, settlement, chargebacks
Experience building high-throughput, low-latency distributed systems in production
Proficiency with Kafka or equivalent async messaging patterns
Strong written and verbal communication; able to align technical and business stakeholders
Preferred Qualifications
Card network certification experience (Visa, Mastercard, PIN debit)
Familiarity with tokenization (EMVCo), 3-D Secure, or digital wallet integrations
Cloud development on AWS, GCP, or Azure with Kubernetes/Docker
Background modernizing legacy payment platforms
Experience authoring enterprise-level engineering RFCs or technical standards
Tech Stack
Python FastAPI Pydantic SQLAlchemy Celery pytest Apache Kafka PostgreSQL Oracle Redis Kubernetes AWS Terraform GitHub Actions Splunk Dynatrace
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