Backend Engineer - Cards Payin

Company Description

Wise is one the fastest growing companies in Europe and we’re on a mission: to make money without borders the new normal. We’ve got over 16 million customers across the globe and we’re growing. Fast.

Current banking systems don’t let us send, spend or receive money across borders easily. Or quickly. Or cheaply. 

So, we’re building a new one.

And, we need a Backend Engineer to join our mission and help us build a global platform that’s scalable, reliable and secure. We’re working on lots of exciting challenges, and you’ll dive right into projects helping consumers and businesses receive and send money from anywhere in the world.

Job Description

Team you will be working with: Cards Payin

The Cards Payin team is responsible for some of the most critical services at Wise - we currently ensure more than a billion pounds in card payments is processed safely each month for customers who send, add money, or receive with Wise.Cards is a convenient, safe, and familiar payment method with global reach. It's our job to curate this payment flow, making it the best it can be for our customers. We own the whole Card Payin process, from the experience where customers input their card details, to the payment authorisation and fraud checks, to eventual settlement and reconciliation.

We’re on a mission to accept all genuine card payments first time from anyone using Wise’s payment products, and charge the lowest price possible. Come join us in this exciting journey of building the best payment experience ever for customers!

Our main challenges are:

• Building to the scale of one of the most used payment methods at Wise

• Designing successful abstractions that can sit across the global nature of card payments

• Providing our customers with the best payment experience possible and balancing that against reducing our exposure to fraudulent payments

Qualifications

What does it take?

• A strong product mindset and passion for user experience, you prioritize work with the customers in mind and make data-driven decisions to fix customer pain-points

• 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!

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

Additional Information

What Do We Offer

• Starting salary: £60,000 - £80,000 Base salary + RSUs
• Numerous great benefits in our London office

Interested? Find out more:

👀 How we work: a practical guide

⚙️ The Wise Tech Stack, 2022 Edition

📈 Our Engineering career map

🎉 Our 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.

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