Senior Software Engineer (Lending Team)

Department: Engineering

At SumUp, we believe small merchants are the heartbeat of our communities. By joining the Lending tribe, you'll help launch a new financing product designed for the roughly 50 million registered and informal sole traders in Brazil who currently can't access affordable credit.

As a Senior Software Engineer, you'll be the technical anchor of a brand new squad, operating with real autonomy. This is a role for someone who's energised by ambiguity, comfortable owning hard decisions without a playbook to follow, and excited to help shape a lending product from the ground up in a fast-moving, regulated market.

What you'll do

• Build the onboarding journey: Design and build the onboarding experience for non SumUp customers, including KYC and Open Finance account and income data integration
• Own the repayment integration: Lead the technical relationship with our Open Finance partner alongside the Bank squad
• Deliver the product end to end: Build the core lending product experience, from credit assessment through to servicing and collections
• Power the credit decisioning: Connect Open Finance data to underwriting models to support fast, reliable credit decisions
• Set the technical direction: Make high impact architecture calls with minimal guidance, and coach mid level and entry level engineers
• Navigate the regulatory landscape: Partner closely with the Bank squad, Compliance, and our Open Finance external integration partner on Open Finance requirements in Brazil

What makes you a great fit

• Have experience designing and owning complex distributed systems end to end, ideally backed by around 6 years in software engineering
• Have strong knowledge of Open Finance or Open Banking integrations, gained from working inside a bank, fintech, or another regulated financial product
• Feel comfortable working in Golang on backend systems, with the flexibility to work confidently in another language such as Java, Kotlin, Python, or Ruby
• Can identify gaps and ambiguity early, weigh up tradeoffs, and drive decisions without waiting for perfect information
• Shares excitement about building a new product from scratch and exploring unfamiliar territory rather than maintaining something established

Why you should join SumUp
🌍 Global Experience: Collaborate with a diverse team of 3,000+ people from over 90 countries, and join our global off-sites and hackathons.

🤝 Collaborative Culture: Join a team that values diversity, innovation, and teamwork, where your ideas and contributions truly matter.

📈 Career Growth: Be part of a global team working on large-scale fintech products used by millions of businesses.

💙 Great Benefits: Health plans, meal vouchers (VR), Zenklub, Wellhub, life insurance, childcare allowance, and more.

📚 Learning & Development: Access an annual budget of R$ 10,000 for education, certifications, and conferences.

🌴 Time Off: Enjoy 30 additional days off through our Break4Me program after 3 years at SumUp.

💸 Grow with Us: Participate in our virtual stock program and benefit from SumUp’s success with company shares.

Learn More About SumUp
🇧🇷 Office tour at São Paulo 

💡 Ask me anything: Engineering at SumUp

🚀 SumUp’s Innovation Hackathon

🤝 Get to know our hiring process

Ready to Join us?
Apply now and help us shape the future of financial solutions for small businesses