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 DescriptionRecurring Payin team owns the Direct Debit API that powers automated payments into Wise. Underneath this, we are building a platform that allows customers to easily schedule top-ups or business collections.
The platform is also built on top of our internal Payin Platform rails; which is a critical component to the Wise money-movement machine and we’re looking for an engineer motivated to come and help us build for this.
We primarily offer APIs for any partner looking to set up automated funding or pre-authorizations. From setting up GBP balance top ups automatically to allowing business partners collect EUR bills monthly without having the customer go through the flow every time; our platform aims to consolidate all these use-cases.
We aim to allow customers to give a one time permission (pre-authorization) for Wise to pull money across any payment method, a USD bank account or a EUR issued bank card; you name it.
Job Responsibilities:
- Design, develop, test, and maintain backend services written in Java and Kotlin using the Spring Boot framework, deployed on cloud infrastructure (AWS)
- Build and maintain RESTful APIs that serve millions of customers across web and mobile platforms
- Develop and optimise services powering the card pay-in payment method — one of the most popular payment methods, enabling Wise customers to move around £1 billion every month
- Design and implement database schemas, write and optimise SQL queries against PostgreSQL databases handling high-volume transactional data
- Build and maintain event-driven architectures using Apache Kafka for asynchronous processing of financial events across distributed services
- Develop and maintain a payment orchestration system that dynamically routes payments across Payment Service Providers to optimize for cost and reliability
- Write automated tests (unit, integration, and end-to-end) to ensure correctness and reliability of financial systems
- Conduct code reviews for team members, ensuring code quality, security, and adherence to engineering standards
- Participate in on-call rotations to monitor and respond to production incidents for Tier 2 critical services
- Collaborate with product managers, designers, analysts, and engineers across other teams to deliver cross-functional projects
- Identify and resolve performance bottlenecks, scalability issues, and technical debt in existing systems
- Ensure development follows security best practices, particularly around handling of sensitive financial data and compliance with financial regulations
Requirements
- 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!
Additional Information
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
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: £87,500 - £111,000 + 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.
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 communication skills to explain technical concepts to non-technical audiences
- Ability to work independently and collaborate across teams
- Experience breaking down complex projects into incremental milestones
- Experience developing web applications and distributed systems in production
- Experience designing, developing, testing, and maintaining backend services using Java and Kotlin with Spring Boot on AWS
- Experience building and maintaining RESTful APIs at scale
- Experience designing schemas and writing/optimizing SQL for PostgreSQL on high-volume transactional data
- Experience building event-driven architectures using Apache Kafka or similar messaging systems
- Experience developing payment orchestration systems or payment processing services
- Experience writing automated tests (unit, integration, end-to-end) and conducting code reviews
- Experience with relational and non-relational databases, query optimisation and schema design
- Knowledge of Java and Spring Boot and experience with a messaging system like Kafka
What the Team is Saying
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Wise Compensation & Benefits Highlights
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Equity Value & Accessibility — Equity is granted to all employees via time‑based RSUs/stock awards, aligning staff with company performance. This broad accessibility makes ownership a core part of total rewards.
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Leave & Time Off Breadth — Policies include a global minimum of 33–36 paid days off and a paid six‑week sabbatical after four years with a cash stipend. The sabbatical is positioned as a standard milestone benefit in addition to annual leave.
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Parental & Family Support — Wise commits to a minimum of 18 weeks’ fully paid parental leave for birth or adoption across many offices. Eligibility rules and tenure may apply by location while maintaining a companywide minimum standard.
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.
