Senior AI-Native Engineer

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role summary

You will join a high-impact AI engineering team within R&D, owning problems end-to-end from understanding the business need, through architecture and implementation, to production monitoring. This is a new way of working at Payoneer: you'll work directly with business stakeholders, ship AI-driven capabilities at speed, and help define the methodology as we build it.

As a member of the AI Foundations organization, you will lead best practices, champion early adoption of new technologies, and influence the direction of our R&D guild - building and shipping cutting-edge agentic applications that deliver seamless experiences to our users.

Location

Hybrid - Gurgaon Full-time

What you'll do

• Own the full development loop understand the business problem, define the solution, architect it, build it, ship it, and monitor it in production
• Use AI as your primary development tool, achieving in a day what used to take a team a week
• Collaborate with your team and business stakeholders to define decision logic, risk thresholds, and success metrics
• Design and build evaluation frameworks as part of every solution you don't ship what you can't measure
• Own production readiness monitoring, alerting, and observability go in on day one
• Contribute to shaping team practices, tooling, and engineering standards across the pod
• Decompose business problems into agentic workflows, orchestrated flows, and reusable capabilities.

Who you are

• 5+ years of software engineering experience, building and operating production systems
• Hands-on experience with AI/ML systems in production not just prototyping, but shipping, monitoring, and iterating
• Genuine fluency with AI-powered development tools you use them daily to move faster
• Experience designing agentic architectures: orchestration, multi-step workflows, RAG pipelines, fallback and error handling
• Strong evaluation instincts you define metrics, build test sets, and validate before shipping
• Comfortable across the full stack you move between prompt engineering, backend services, data pipelines, and infrastructure as needed
• High degree of independence you lead work from problem definition to production without waiting for detailed specs
• Excellent communication you flag risks early, give direct feedback, and collaborate openly Fintech or regulated-environment experience is an advantage

The Payoneer Ways of Working

• Act as our customer’s partner on the inside Learning what they need and creating what will help them go further.
• Do it. Own it. Being fearlessly accountable in everything we do.
• Continuously improve Always striving for a higher standard than our last.
• Build each other up Helping each other grow, as professionals and people.

If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.