Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.
Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.
As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.
More about our mission and what we offer.
Job DescriptionWe are looking for a Backend Engineer to join the Account Sharing team within Wise’s Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers — including international joint accounts and kid accounts.
Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally.
This is a highly product-oriented engineering role where you’ll help shape products from the ground up. You’ll work closely with Product Managers, Designers, Data Analysts, and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.
How we work
For everything we build, we keep our customers at the center of decision-making. We prioritize work based on customer research, behavioral data, and direct feedback, and we iterate quickly based on what we learn.
The Account Sharing team operates as a highly collaborative, cross-functional product team. Engineers are not expected to simply implement tickets — they are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience.
The environment is greenfield and fast-moving. Requirements evolve quickly, and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research.
At Wise, we believe in autonomous teams where everyone contributes ideas, takes ownership, and helps define priorities together.
Impact
Your work will directly shape the future of shared finances at Wise.
You’ll help build products that allow families, couples, flatmates, and friends across different countries to manage money together in ways that existing financial products often cannot support today.
The systems and experiences you build will need to scale globally, support millions of customers, and navigate the complexities of international compliance, regulation, and financial infrastructure.
This role offers the opportunity to influence both technical architecture and product direction while helping Wise expand into a strategically important area of consumer finance.
What will you be working on?
Key focus areas for the team are:
Building international joint accounts for globally distributed users
Expanding Wise kid accounts into additional markets
Creating shared finance experiences that work across borders
Designing scalable backend systems for high-growth consumer products
Developing features around shared spending, sending/receiving money, and account customization
Collaborating on customer discovery and product iteration
Scaling infrastructure and improving reliability across multiple markets
Building greenfield financial products from concept to production
You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:
Send/receive money flows
Spend experiences
Authorization systems
FinCrime-related systems
Shared account infrastructure
What do you need?
You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.
You are proficient in backend programming languages such as Java, Kotlin, Python, or Go.
You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures.
You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.
You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions — not just implement them.
You care deeply about customer experience and understand how technical decisions impact end users.
You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction.
You write clean, maintainable, well-tested code and care about long-term scalability and reliability.
You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.
You are comfortable operating independently while also contributing to a collaborative team culture.
Nice to have
Experience building greenfield products from scratch
Experience working on international consumer products
Experience with payments, financial systems, or compliance-heavy environments
Experience building systems at global scale
Familiarity with event-driven architecture and messaging systems such as Kafka
Experience with customer-facing financial products
API-first development experience
Interested? Find out more:
How we work – a practical guide
DEI @ Wise
Wise Tech Stack (2025 update)
See what it's like to work at Wise London!
Our Engineering career map
Wise Engineering – https://medium.com/wise-engineering
What do we offer:
Starting salary: £111,000 - £145,000k + RSUs
Wise Benefits
#LI-AB3 #LI-Hybrid
Additional InformationFor 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.
Skills Required
- Experience building scalable distributed systems and customer-facing products used by millions of users
- Proficiency in Java, Kotlin, Python, or Go
- Strong experience designing asynchronous, reliable, and scalable systems in microservice architectures
- Ability to work effectively in greenfield environments with evolving requirements and ambiguity
- Strong product mindset and ability to collaborate with product, design, analytics, and research teams
- Ability to consider customer experience when making technical decisions
- Ability to contribute to architecture discussions and influence technical and product direction
- Ability to write clean, maintainable, well-tested code focused on scalability and reliability
- Strong communication and cross-functional collaboration skills
- Ability to operate independently and contribute to a collaborative team culture
- Experience building greenfield products from scratch
- Experience working on international consumer products
- Experience with payments, financial systems, or compliance-heavy environments
- Experience building systems at global scale
- Familiarity with event-driven architecture and Kafka or other messaging systems
- Experience with customer-facing financial products
- API-first development experience
Wise Compensation & Benefits Highlights
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Equity Value & Accessibility — Equity is broadly accessible through RSUs granted to all employees in addition to salary, aligning rewards with company performance. This company‑wide ownership stance is consistently highlighted in the benefits descriptions.
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Leave & Time Off Breadth — Paid time off is notably generous, with a global minimum of 33 days and 36 days listed for U.S. locations. After four years, a six‑week paid sabbatical plus a £1,000 stipend further strengthens time‑away benefits.
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Wellbeing & Lifestyle Benefits — Lifestyle support includes work‑from‑anywhere for up to 90 days per year after six months, flexible working principles, and a 24/7 Employee Assistance Program. Extras like three annual “Me Days” and a professional‑development allowance add quality‑of‑life value.
Wise Insights
What We Do
Wise is a global technology company, building the best way to move and manage the world's money. With Wise Account and Wise Business, people and businesses can hold 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world's money. Launched in 2011, Wise is one of the world’s fastest growing, profitable tech companies. In fiscal year 2025, Wise supported around 15.6 million people and businesses, processing over $185 billion in cross-border transactions and saving customers around $2.6 billion.
Why Work With Us
We’re truly global in who we are, how we work, and how we build. Everything we do is centred around creating a world of money that’s fast, easy, fair. And open to all. Everyone who works here owns a piece of Wise, from the work they do, to the stock they hold.
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Wise Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We expect new joiners in the office most days to build connections and learn from colleagues for their first six months. After that, most Wisers split their working week between the office and home, typically coming in at least 12 times a month.
