Backend Engineer - Account Sharing

Company Description

Wise is a global technology company, building the best way to move and manage the world’s money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.

For everyone, everywhere.

More about our mission and what we offer.

Job Description

We are looking for a Backend Engineer to join the Account Sharing team within Wise’s Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers - including international joint accounts and kid accounts.

Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally.

This is a highly product-oriented engineering role where you’ll help shape products from the ground up. You’ll work closely with Product Managers, Designers, Data Analysts, and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.

How we work

For everything we build, we keep our customers at the center of decision-making. We prioritize work based on customer research, behavioral data, and direct feedback, and we iterate quickly based on what we learn.

The Account Sharing team operates as a highly collaborative, cross-functional product team. Engineers are not expected to simply implement tickets - they are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience.

The environment is greenfield and fast-moving. Requirements evolve quickly, and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research.

At Wise, we believe in autonomous teams where everyone contributes ideas, takes ownership, and helps define priorities together.

Impact

Your work will directly shape the future of shared finances at Wise.

You’ll help build products that allow families, couples, flatmates, and friends across different countries to manage money together in ways that existing financial products often cannot support today.

The systems and experiences you build will need to scale globally, support millions of customers, and navigate the complexities of international compliance, regulation, and financial infrastructure.

This role offers the opportunity to influence both technical architecture and product direction while helping Wise into a strategically important area of consumer finance.

What will you be working on?

Key focus areas for the team are:

Building international joint accounts for globally distributed users

Expanding Wise kid accounts into additional markets

Creating shared finance experiences that work across borders

Designing scalable backend systems for high-growth consumer products

Developing features around shared spending, sending/receiving money, and account customization

Collaborating on customer discovery and product iteration

Scaling infrastructure and improving reliability across multiple markets

Building greenfield financial products from concept to production

You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:

Send/receive money flows

Spend experiences

Authorization systems

FinCrime-related systems

Shared account infrastructure

What do you need?

You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.

You are proficient in backend programming languages such as Java, Kotlin, Python, or Go.

You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures.

You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.

You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions - not just implement them.

You care deeply about customer experience and understand how technical decisions impact end users.

You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction.

You write clean, maintainable, well-tested code and care about long-term scalability and reliability.

You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.

You are comfortable operating independently while also contributing to a collaborative team culture.

Nice to have

Experience building greenfield products from scratch

Experience working on international consumer products

Experience with payments, financial systems, or compliance-heavy environments

Experience building systems at global scale

Familiarity with event-driven architecture and messaging systems such as Kafka

Experience with customer-facing financial products

API-first development experience

Interested? Find out more:

How we work – a practical guide

DEI @ Wise

Wise Tech Stack (2025 update)

See what it's like to work at Wise London!

Our Engineering career map

Wise Engineering – https://medium.com/wise-engineering

What do we offer:

Starting salary: £87,500 - £111k + RSUs

Wise Benefits

#LI-AB3 #LI-Hybrid

Additional Information

Team Overview

The Account Sharing team sits within Wise’s Consumer Squad and operates as a highly cross-functional product team.

Team composition:

4 Engineers

1 Tech Lead

1 Product Manager

1 Designer

1 Data Analyst

1 User Researcher

You’ll work closely with:

Okan (Tech Lead)

Yuval (Product Manager)

Core engineering team

Product, design, analytics, and research stakeholders

The team works closely together on product discovery, customer research, and iterative feature development.

Why join this team?

Opportunity to build entirely new products from scratch

Strong product ownership and influence over feature direction

Direct exposure to customer interviews and user research

Ability to solve genuine international financial problems

Highly collaborative engineering, product, and design culture

Product-focused environment rather than ticket-driven development

Opportunity to work on meaningful products you may personally use yourself

Exposure to multiple domains across Wise’s financial ecosystem

Challenges you’ll tackle

Navigating ambiguity in greenfield product development

Designing systems for international regulatory and compliance requirements

Balancing scalability with rapid iteration

Building experiences that work across multiple countries and markets

Scaling early-stage products into globally distributed systems used by millions of customers

For everyone, everywhere. We're people building money without borders - without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.

Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.