Backend Engineer

Posted Yesterday
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London, Greater London, England, GBR
Hybrid
88K-111K Annually
Entry level
Fintech • Mobile • Payments • Software • Financial Services
Wise is one of the fastest growing fintechs in the world and we’re on a mission to make money without borders a new norm
The Role
Build and scale financial products within Wise’s Grow squad. Engineers will either architect a high-availability yield engine managing billions in assets or create brokerage and investment infrastructure from scratch. Responsibilities include designing distributed systems, developing production web applications, collaborating with product and design teams, breaking complex work into milestones, ensuring data integrity and performance, and delivering customer-focused features through clean, well-tested code.
Summary Generated by Built In
Company Description

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 Description

We are looking for mission-driven senior product engineers to join our Grow squad. We are hiring across two distinct phases of the product lifecycle: scaling a global success and building a new frontier from scratch.

The Mission:

Our goal is for the Wise Account to become the world’s primary financial hub. We’ve already started by helping customers earn over £50m every month on their balances. Now, we’re looking for engineers to help us lead the next evolution of global wealth.

The Work You’ll Do

Assets team:

We are turning the concept of a "bank balance" on its head. We’ve created a current account experience backed by real assets—government rates and global indices—where customers get daily returns with instant access and zero lock-ins.

  • The Focus: Scaling a product already live in the UK, EU, Singapore, and Australia.

  • The Tech: You’ll be architecting a high-availability "Yield Engine" that manages billions in assets while maintaining bankruptcy-protected custody and seamless, near-instant liquidity.

Investments team:

This is a true zero-to-one engineering challenge. We are moving beyond index funds to let customers invest in individual stocks and build long-term, tax-beneficial money pots (like ISAs and SIPPs) directly inside Wise.

  • The Focus: Pure greenfield innovation. You will define the technical foundations, brokerage infrastructure, and trading interfaces from the ground up.

  • The Tech: You aren't just shipping features; you are shaping the strategy and code for a brand-new pillar of the Wise ecosystem.

Why this is Unique

  • Product Engineering Culture: We don't just hire "coders." We hire owners. You’ll work alongside PMs, Designers, and Analysts to decide what we build, not just how.

  • Transparency: We don't hide fees or "eat" the yield. We charge a fair fee and pass the rest to the customer. You’ll be building a product you can actually be proud of.

  • Extreme Scale & Precision: Whether you are scaling a global engine or building a stock brokerage, you'll be handling high-concurrency systems where data integrity and consistency are absolute.

  • Autonomous Growth: You’ll have the freedom to choose the right tools for the job and the responsibility to fix what you break.

What do you need?

We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you!

  • A strong product mindset and passion for user experience, you prioritise 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 break down complex projects into incremental milestones that deliver customer value

  • Ability to coordinate complex projects across different teams

  • 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

  • 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!

Additional Information

We are currently only considering local candidates as relocation support is not provided. For local candidates we are able to support transfer of visa sponsorship.

Interested? Find out more:

  • How we work – a practical guide

  • DEI @ Wise

  • Wise Tech Stack (2025 update)

  • Our Engineering career map

  • Scaling our Infrastructure; how we make it work

  • Wise Engineering – https://medium.com/wise-engineering

What do we offer: 

  • Starting salary: £87.5k - £111k + RSUs

  • Wise 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.

Skills Required

  • Strong product mindset and passion for user experience
  • Ability to prioritize customer needs and make data-driven decisions
  • Excellent communication skills, including explaining complex technical concepts to non-technical audiences
  • Ability to break down complex projects into incremental milestones
  • Ability to coordinate complex projects across different teams
  • Experience developing web applications in a production environment
  • Experience developing distributed systems in a production environment
  • Knowledge of common design and architectural patterns
  • Passion for writing clean, performant, and well-tested code
  • Knowledge of Java and Spring Boot
  • Experience with a messaging system such as Kafka

What the Team is Saying

Wise Compensation & Benefits Highlights

  • Leave & Time Off Breadth — U.S. materials describe extensive paid leave (PTO, sick time, holidays, “Me Days,” volunteer and compassionate leave) plus a paid six‑week sabbatical after four years. Feedback suggests the time‑off package is a standout element of the offering.
  • Parental & Family Support — Benefits information highlights up to 18 weeks of fully paid parental leave in many locations, with clear tenure qualifiers in some markets. Feedback suggests these policies are robust and a notable strength.
  • Equity Value & Accessibility — Company and job-posting materials indicate RSUs are a regular part of compensation, with a shift toward RSUs since 2022. Feedback suggests the equity component is a relatively substantial part of total rewards.

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The Company
9,000 Employees
Year Founded: 2011

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.

Typical time on-site: Flexible
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