Senior Backend Engineer - Payin Platform

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.

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Job Description

Recurring Payin team owns the Direct Debit API that powers automated payments into Wise. Underneath this, we are building a platform that allows customers to easily schedule top-ups or business collections.

The platform is also built on top of our internal Payin Platform rails; which is a critical component to the Wise money-movement machine and we’re looking for an engineer motivated to come and help us build for this.

We primarily offer APIs for any partner looking to set up automated funding or pre-authorizations. From setting up GBP balance top ups automatically to allowing business partners collect EUR bills monthly without having the customer go through the flow every time; our platform aims to consolidate all these use-cases.

We aim to allow customers to give a one time permission (pre-authorization) for Wise to pull money across any payment method, a USD bank account or a EUR issued bank card; you name it.

Job Responsibilities:

Design, develop, test, and maintain backend services written in Java and Kotlin using the Spring Boot framework, deployed on cloud infrastructure (AWS)

Build and maintain RESTful APIs that serve millions of customers across web and mobile platforms

Develop and optimise services powering the card pay-in payment method - one of the most popular payment methods, enabling Wise customers to move around £1 billion every month

Design and implement database schemas, write and optimise SQL queries against PostgreSQL databases handling high-volume transactional data

Build and maintain event-driven architectures using Apache Kafka for asynchronous processing of financial events across distributed services

Develop and maintain a payment orchestration system that dynamically routes payments across Payment Service Providers to optimize for cost and reliability

Write automated tests (unit, integration, and end-to-end) to ensure correctness and reliability of financial systems

Conduct code reviews for team members, ensuring code quality, security, and adherence to engineering standards

Participate in on-call rotations to monitor and respond to production incidents for Tier 2 critical services

Collaborate with product managers, designers, analysts, and engineers across other teams to deliver cross-functional projects

Identify and resolve performance bottlenecks, scalability issues, and technical debt in existing systems

Ensure development follows security best practices, particularly around handling of sensitive financial data and compliance with financial regulations

Qualifications

Requirements

Great communication skills and the ability to articulate complex, technical concepts to non-technical audiences

Ability to work independently while also being a good team player. Your work will frequently involve cross-team collaboration.

Ability to break down complex projects into incremental milestones that deliver customer value

Experience in developing web applications and distributed systems in a production environment

Experience with common design and architectural patterns coupled with a passion for writing clean code that is performant and well tested

Curiosity and drive for continuous learning and improvement

Following and advocating best coding practices, continuous delivery and code reviews

Experience working with relational and non-relational databases, query optimisation and designing schemas is a plus

Knowledge of Java and Spring boot and experience with a messaging system, like Kafka, is a plus

…but don’t worry we don’t expect you to know everything!

Additional Information

What does success look like?

You’ll have onboarded and found your place through understanding your team and tribe vision and how you can contribute

You’ll understand how our values can help you guide your work

You’ll understand the reasons behind problematic payments and customer difficulties and how to go about solving them

You’ll be raising the automation level to enable scaling of the product

You’ll understand our customers and the impact our product makes in their lives

You’ll help us scale-up and build a world class global banking product by finding solutions to our technical challenges and opportunities

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 - £111,000 + RSUs

Wise Benefits

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.

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