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About the Role

The Recurring Payin team owns the Direct Debit API, powering automated payments into Wise. We are building a platform for customers to easily schedule top-ups or business collections, built on our internal Payin Platform rails. This platform is a critical component of Wise's money-movement capabilities, and we are seeking an engineer to help us build for it. We offer APIs for partners setting up automated funding or pre-authorizations, consolidating use cases like automatic GBP balance top-ups and monthly EUR bill collections for business partners. Our platform allows customers to grant one-time permission for Wise to pull money across various payment methods, including USD bank accounts or EUR-issued bank cards.

Responsibilities

Design, develop, test, and maintain backend services using Java and Kotlin with the Spring Boot framework, deployed on AWS.
Build and maintain RESTful APIs serving millions of customers across web and mobile platforms.
Develop and optimize services for the card pay-in payment method, processing approximately £1 billion monthly.
Design and implement database schemas, and write/optimize SQL queries against PostgreSQL databases for high-volume transactional data.
Build and maintain event-driven architectures using Apache Kafka for asynchronous processing of financial events.
Develop and maintain a payment orchestration system for dynamic payment routing across Payment Service Providers to optimize cost and reliability.
Write automated tests (unit, integration, end-to-end) to ensure the 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 for monitoring and responding to production incidents for Tier 2 critical services.
Collaborate with product managers, designers, analysts, and engineers across teams for cross-functional projects.
Identify and resolve performance bottlenecks, scalability issues, and technical debt in existing systems.
Ensure development follows security best practices, especially concerning sensitive financial data and compliance with financial regulations.

Requirements

Great communication skills and the ability to articulate complex, technical concepts to non-technical audiences.
Ability to work independently and collaboratively as a team player, with frequent 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, performant, and well-tested code.
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 optimization, and designing schemas is a plus.
Knowledge of Java and Spring Boot and experience with a messaging system like Kafka is a plus.

Skills

Java
Kotlin
Spring Boot
AWS
RESTful APIs
PostgreSQL
Apache Kafka
SQL
Payment Orchestration
Automated Testing
Code Reviews
Security Best Practices
Financial Regulations
Web Applications
Distributed Systems
Design Patterns
Clean Code
Continuous Delivery

Location

London

Work Type

Full-time

Experience Level

Mid-level
Senior

Salary/Compensations

£87,500 - £111,000

Benefits

RSUs
Wise Benefits

About the Company

Wise is a global technology company building the best way to move and manage the world’s money.
We are on a mission to make people's and businesses' lives easier and save them money when sending money internationally, spending abroad, or making and receiving international payments.
We are creating an entirely new network for the world's money, for everyone, everywhere.

Equal Opportunity

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.