Senior Backend Engineer - Payments
New
P
PleoFinTech, Payments
United Kingdom; Secondary Locations: France, Denmark, Germany, Portugal, Sweden, Spain, NetherlandsFull-TimeSenior
Salary not disclosed
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Job Details
- Languages
- English
- Required Skills
- AWSPostgreSQLJavaKotlinKubernetesGrafanaMicroservicesDistributed Systems
Requirements
- Hands-on experience building payment integrations, bank APIs, payment scheme integrations, or financial messaging formats (ISO 20022, SWIFT, SEPA, Faster Payments, or similar).
- Strong understanding of payment flows end-to-end: payment initiation, routing, reconciliation, settlement, and exception/failure handling.
- Experience designing and operating highly available, resilient distributed systems with robust error recovery and observability.
- Expertise in server-side development, ideally Kotlin or Java, with strong experience in microservices and distributed systems.
- Proficiency with relational databases (PostgreSQL), cloud environments (AWS, Kubernetes), and observability tooling (e.g. Grafana).
- Experience owning production payment systems through incidents and operational complexity.
- High proficiency with AI-enhanced development tools (such as GitHub Copilot or Claude) for system design, documentation, and code generation.
- Proven ability to structure complex engineering problems for AI collaboration, including writing precise specifications and validating generated outputs.
- A collaborative mindset and the ability to mentor and upskill teammates.
Responsibilities
- Design, build, and maintain integrations with banks and payment partners across multiple payment schemes (SEPA, Faster Payments, SWIFT, and others).
- Own the reliability and correctness of inbound and outbound payment flows, including reconciliation, settlement, and exception handling.
- Architect systems that are resilient to partner outages, network failures, and edge cases inherent in financial messaging.
- Lead initiatives to improve system observability, fault tolerance, and operational excellence across payment rails.
- Collaborate with cross-functional teams, including compliance, finance operations, and product to evolve Pleo's payment capabilities.
- Participate in code reviews, post-mortems, and provide mentorship to other engineers.
- Proactively address technical debt and guide the team through technical challenges and migrations.
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