---
title: 'Software Engineer (ATM) at Salmon Group'
canonical: 'https://feeny.ai/job/software-engineer-atm-salmon-group-kazakhstan-dty10a9w672h'
type: 'job'
last_seen: '2026-09-15'
---

# Software Engineer (ATM) at Salmon Group

- **Company:** [Salmon Group](https://feeny.ai/companies/salmon-group)
- **Location:** Kazakhstan
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-09
- **Last confirmed live:** 2026-09-15
- **Apply:** https://jobs.ashbyhq.com/salmon-group/2038631b-56b2-42ee-8039-b174d25a39c2

## Job description

🌍 Remote | +8 UTC | Core collaboration hours: 12:00–6:00 PM Manila Time

Salmon is a technology-driven financial company building a banking and lending platform across Southeast Asia, starting in the Philippines. We combine global fintech expertise with deep local market knowledge to make financial services simple, accessible, and useful for millions of people across the region. 7M+ app downloads. 2M+ monthly active users. 7,000+ partner stores. US$310M+ raised from leading global investors. Manila-based, globally distributed, and hybrid-first — our team spans 45+ countries. If you want to solve complex problems at scale and impact how millions of people access and manage money, come build with us. Southeast Asia's fintech moment starts here.

About the role: You'll build the middleware connecting Salmon's ATM fleet to backend systems, as we scale from a pilot network to thousands of machines across the Philippines.

What you'll do:

- You'll work on real-time transaction flows between ATM hardware and Salmon's backend, handling authorization, reversals, and reconciliation as the fleet scales from pilot to thousands of machines.
- You'll integrate directly with an HSM for PIN translation, key management, and cryptographic operations — core to how every transaction stays secure.
- You'll work closely with hardware, infrastructure, security, compliance, and vendor teams (SmartDico, the processing switch) to keep the ATM stack running end to end.

What you'll own:

- Design, build, and maintain backend services for the ATM middleware platform
- Own ISO 8583 message flows between the ATM fleet and the processing switch, including authorization, reversals, and reconciliation
- Integrate with the HSM for PIN translation, key management, and cryptographic operations
- Build and maintain integrations with card schemes and the ATM middleware vendor
- Improve APIs and system integrations across the ATM stack, including anti-fraud and core banking connections
- Support production monitoring, incident investigation, and resolution for ATM transaction services

What makes you a strong fit:

- 3+ years of experience as a Backend Engineer with production experience in Kotlin, ideally in fintech, banking, or payment processing
- Experience with microservice architecture, API design, and building system integrations from scratch
- Knowledge of ISO 8583 or similar financial messaging protocols
- Experience with cloud infrastructure (AWS/EKS), containerized deployments, and GitLab/GitOps CI/CD pipelines
- Strong SQL skills for data analysis and validation
- English level B2 or higher, with strong written and verbal communication

What we offer: Ownership and flexibility

- Stock option plan — four-year vesting with a 25% cliff after the first year
- Fully remote work with core collaboration hours from 12:00 to 6:00 PM Manila time (UTC+8)
- Company-provided tools and equipment

Health and time off

- Medical insurance support for you and your family through co-funding or reimbursement, depending on your location and subject to policy limits
- Access to an internal mental health support specialist
- 22 vacation days, Philippine public holidays, and 15 sick days

Growth and team experience

- Opportunities to learn and share your expertise through internal expert meetups, external conferences, speaking opportunities, and industry publications
- Company-sponsored trips to Manila to meet and work with your team in person
- High-performing teams can earn a dedicated beach house week in Southeast Asia

We believe strong teams are built by people with different backgrounds, experiences, and points of view. Salmon is an equal opportunity employer, and we make hiring decisions based on skills, experience, and potential.

## About Salmon Group

## Company Overview
- **One-liner**: Salmon Group is a Philippine financial technology company that provides responsible consumer lending, digital banking, and credit products through its licensed rural bank and financing companies.
- **Entity Type**: Private (Series B, $179M total funding)
- **Headquarters**: Taguig City, Metro Manila, Philippines
- **Founded**: 2022 (corporate group formed; underlying Rural Bank of Sta. Rosa traces to 1963)
- **Founders**: Derrick Low, Pavel Fedorov, George Chesakov

## Core Business
- **Primary industry**: Financial services / Fintech / Digital banking
- **Target customers**: B2C – Filipino consumers seeking accessible credit, installment loans, and banking services; also B2B partnerships with merchants.
- **Mission or purpose**: “To build a future where every Filipino has access to transparent, fast, and flexible financial services that have a human touch.”

## Products & Services
- **Salmon Credit**: Revolving credit line up to PHP 100,000, accessible via a prepaid Mastercard. Can be used for shopping, emergencies, and everyday expenses.
- **Salmon Access Card**: Prepaid card linked to Salmon Credit, accepted worldwide via Mastercard.
- **In-store Installment Loans**: Point-of-sale financing for gadgets, appliances, clothing, and other items at partner merchants (e.g., SM Store, Vans).
- **Cash Loans**: Direct consumer loans offered through the Salmon app and offline channels.
- **Auto-Debit Payments**: Seamless recurring payment service for loan repayments.
- **Rural Bank Services**: Traditional deposit accounts and lending through Rural Bank of Sta. Rosa (Laguna), with deposits up 439% since acquisition.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding raised – $179M (last round: $60M, ~May 2026)
- **Notable Investors/Partners**: International Finance Corporation (IFC, World Bank Group), ADQ/Lunate (sovereign wealth fund of Abu Dhabi), Bangko Sentral ng Pilipinas (BSP) as regulator, Mastercard as card network, ECPay for payment channels, AllBank for QR Ph payments.
- **Growth Signals**: Deposits at Rural Bank of Sta. Rosa grew 439% since acquisition; launched multiple new products in 2023-2024; expanded merchant network (SM Store, Vans); became a licensed bank in January 2024; received ₱4.4B capital injection from new shareholders.

## Competitive Advantages
- **Licensed bank status**: Salmon Group controls a BSP-regulated rural bank, giving it a regulatory moat and trust advantage over unlicensed lenders.
- **Strong investor backing**: Backed by IFC and a sovereign wealth fund, providing capital and credibility.
- **Omnichannel distribution**: Combines digital app, physical merchant partnerships, and a traditional bank branch network.
- **Customer protection focus**: Adheres to BSP, SEC, IFC, and SPTF/Cerise Customer Protection Pathways frameworks.

## Strategic Focus
- Expand product suite (credit lines, cards, auto-debit) and deepen merchant partnerships.
- Drive financial inclusion in the Philippines by reaching underserved consumers.
- Grow deposit base and lending portfolio through the rural bank subsidiary.
- Continue building AI and data analytics capabilities (e.g., Head of AI Banking appointed).

## Why Work Here
- **Culture**: Emphasizes “dependability,” innovation, and a human touch. Employees describe an agile, open environment where Day One employees shape the company.
- **Work model**: Mostly office-based at the Taguig City headquarters (Four/NEO Building, Bonifacio Global City). Some field roles (collections, housekeeping) are site-specific.
- **Notable perks**: Competitive salaries (e.g., PHP 30k-40k/month for junior roles; PHP 15k-25k for field roles). Popular roles include Credit Investigator (PHP 28k/month) and Collection Agent (PHP 16k/month).
- **Engineering culture**: Strong focus on AI, data analytics, and technology innovation; the CTO and SVP of AI and Data are part of senior management.

## Sources
1. [salmon.group](https://salmon.group/) – Company overview, leadership, press releases
2. [salmon.ph](https://salmon.ph/our-story) – Company story, products, values
3. [cbinsights.com](https://www.cbinsights.com/company/salmon) – Funding, stage, headquarters, total raised
4. [ph.indeed.com](https://ph.indeed.com/cmp/Salmon-Group-Ltd-1) – Job listings, salary estimates, industry
5. [ge.linkedin.com](https://ge.linkedin.com/company/salmonphilippines) – Company LinkedIn page (employee insights)

## Other roles at Salmon Group

- [Branch Experience Ambassador - Sta Rosa Laguna](https://feeny.ai/job/branch-experience-ambassador-sta-rosa-laguna-salmon-group-sta-rosa-bhxcps5hvk15) — Sta. Rosa, Laguna, Philippines
- [Anti-Fraud Analyst](https://feeny.ai/job/anti-fraud-analyst-salmon-group-remote-77kv6jmdyaf7)
- [Localization Specialist](https://feeny.ai/job/localization-specialist-salmon-group-philippines-3g8zemqy46gm) — Philippines
- [Trainer](https://feeny.ai/job/trainer-salmon-group-national-capital-region-c1k7m5dwx62y) — National Capital Region, Philippines
- [QA Engineer (ATM Acquiring & Payment Processing)](https://feeny.ai/job/qa-engineer-atm-acquiring-payment-processing-salmon-group-metro-manila-djyjxwcvz86s) — Metro Manila, Philippines
- [Technical Product Manager (Acquiring Processing)](https://feeny.ai/job/technical-product-manager-acquiring-processing-salmon-group-kazakhstan-a6xp4fgq74an) — Kazakhstan
- [Sales Operations Manager](https://feeny.ai/job/sales-operations-manager-salmon-group-metro-manila-y7dtg9pbg7t7) — Metro Manila, Philippines
- [Field Collections Officer Rizal-Antipolo](https://feeny.ai/job/field-collections-officer-rizal-antipolo-salmon-group-philippines-hd2033qhpaq3) — Philippines
- [QA Automation Engineer (Payments Platform)](https://feeny.ai/job/qa-automation-engineer-payments-platform-salmon-group-metro-manila-psj2x6t8zkax) — Metro Manila, Philippines
- [Credit Investigation Specialist](https://feeny.ai/job/credit-investigation-specialist-salmon-group-metro-manila-41h57smh3sga) — Metro Manila, Philippines