Technical Lead - Payments

Overview

Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

This position is based out of Plano, TX.

Who we’re looking for

At TFS, we’re embarking on a technology transformation journey, creating next generation of products and platforms. These products enable TFS to provide a best-in-class experience to our customers and partners and position us to rapidly scale to realize our vision of mobility for all by enabling freedom of movement for everyone.

We’re looking for a Technical Lead-Payments , who brings deep technical expertise, a strong sense of ownership, and a track record of driving meaningful outcomes

What you’ll be doing

In this role, you’ll play a central part in shaping the direction of critical systems—translating complex designs into scalable, real-world solutions. You’ll partner closely with enterprise architects and stakeholders in a fast-moving Agile environment, navigating ambiguity with confidence and clarity. From building core features to mentoring engineers and influencing architecture, you’ll be directly involved in the systems that matter most.

• Design and develop scalable applications using Java, Spring Boot, and cloud-native technologies.

• Implement complex architecture in collaboration with enterprise architects, contributing actively to development efforts.

• Work with stakeholders in Agile environments to align technical solutions with business priorities.

• Bring structure to ambiguous requirements through sound engineering judgment and initiative.

• Own critical components, driving performance, reliability, and long-term maintainability.

• Mentor junior engineers and elevate team standards through code reviews and technical leadership.

• Uphold best practices in testing, CI/CD, and cloud infrastructure, ensuring quality and scalability.

What you bring

• 10+ years of professional software development experience.

• Proven experience in software development with a solid technical foundation with relevant experience in Java, Spring boot, NodeJS, REST API, Real time streaming architectures, microservices architecture patterns.

• Proven experience delivering cloud-native applications on AWS or other major cloud platforms.

• Familiarity with Domain-Driven Design (DDD) and event-driven architecture in real-world systems.

• Solid background in microservices and REST APIs.

• Proficiency with CI/CD pipelines (e.g., Jenkins, GitHub Actions), version control, and DevOps tooling.

• Experience with relational and NoSQL databases such as PostgreSQL, MySQL, or Document DB.

• Hands-on knowledge of Kubernetes, containerization, and deployment automation.

• Familiarity with monitoring and observability tools like Prometheus, Grafana, Datadog, or CloudWatch.

• Full ownership mindset—writing, testing, and validating your own code to ensure quality and reliability.

• Strong collaboration and communication skills, with experience working across architecture, engineering, and product teams.

Added bonus if you have

• Experience working in FinTech or other highly regulated, enterprise-scale environments.

• Exposure to LLM workflows or integrating ML models into production systems.

• Familiarity with scalable messaging platforms such as Kafka or other streaming technologies.

**What we bring **

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect.

• Professional growth and development programs to help advance your career, as well as tuition reimbursement.

• Team Member Vehicle Purchase Discount

• Toyota Team Member Lease Vehicle Program (if applicable)

• Comprehensive health care and wellness plans for your entire family.

• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)

• Paid holidays and paid time off.

• Referral services related to prenatal services, adoption, childcare, schools, and more.

• Tax-Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA).

• Relocation assistance (if applicable)

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to [email protected] .