Senior Backend Engineer – Payments

About This Opportunity

We are representing a confidential fintech organization seeking a Senior Backend Engineer to join their Bank Infrastructure team. This is a critical role building and maintaining the payment rails that power large-scale money movement, integrating with banks and payment partners to handle inbound and outbound bank transfers reliably and at scale.

You'll be working on mission-critical financial systems that guarantee each transaction—whether incoming, outgoing, or internal—is processed and settled with absolute accuracy, on time, and with the resilience to recover gracefully when things go wrong. If you're excited by the challenge of building highly reliable financial infrastructure in a culture that values transparency, collaboration, and engineering excellence, we want to hear from you.

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 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

What We're Looking For

• 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)
• Awareness of payment compliance and regulatory considerations (e.g. AML, sanctions screening, PSD2) is a plus
• Understanding of safeguarding of customer funds and the impact of money movement pipelines
• Strong problem-solving skills and experience owning production payment systems through incidents and operational complexity
• High proficiency with AI-enhanced development tools (such as GitHub Copilot or Claude) as integrated partners for system design, documentation, and code generation
• A collaborative mindset and the ability to mentor and upskill teammates

How We Work With You

When you apply through Get A Job.ai, our talent team will carefully review your application and arrange an initial screening conversation. If there's a strong match, we'll coordinate your interview process with our client, which includes a coding assessment, system design session, and behavioral interviews with engineering leadership.

Throughout the process, we act as your advocate and guide. We'll prepare you for each stage, gather feedback, and help you put your best foot forward. Please note that all applications must come through Get A Job.ai—we ask that you do not contact the client organization directly during the recruitment process.

Pay

Compensation details will be discussed during the screening process based on your experience and the client's budget for this role.

Equal Opportunity: Get A Job.ai is committed to inclusive recruiting practices. We evaluate all candidates based on qualifications and merit, and we encourage applications from people of all backgrounds and experiences.