Senior Software Engineer II - Payin Platform - Backend (Java)

Posted Yesterday
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London, Greater London, England, GBR
Hybrid
111K-145K Annually
Senior 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 maintain the Payin Platform that handles how money enters Wise. Design Payin Session and Payment abstractions, ensure reliability and scalability for high-volume transactions, collaborate across teams, write testable code, drive end-to-end ownership, and improve APIs and systems for excellent customer experience.
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

About the role:

We are looking for a talented Senior Software Engineer to join our Payin Platform team in the London office. This team owns layer that powers how money enters Wise. The platform sits between our product teams (Transfer, Acquiring Payment, and any new product that needs to take money in) and the payment methods we support (Cards, Apple Pay, Google Pay, Balance, Bank Transfer, PISP, UPI, Direct Debit, and more).
 

What will you be working on?

Rather than owning a single payment method, we build the Payin Session and Payment abstractions that let every product integrate a payment method once and scale to millions of transactions without re-solving the same problems. 

This is a high-volume, high-leverage platform role: the systems you build are used by many teams across the company, so correctness, reliability, and thoughtful API design matter enormously.

Qualifications

What do you need?:

  • 5+ years of experience in Java, Kotlin, Python or Go 

  • Strong experience with Spring framework, relational databases, distributed and concurrent systems (Kafka)

  • Great cross-team communication - Can discuss and champion complex, technical topics with a wide and varied audience, from fellow engineers to non-technical stakeholders across lots of teams.

  • You enjoy writing testable code and you have experience in testing strategies, such as unit testing, integration testing

  • You believe in and follow best coding practices, code reviews and open feedback

  • You have great communication skills and the ability to articulate complex, technical concepts to non-technical audience

  • You strive to improve our team culture and processes

  • A strong product mindset and passion for customer experience, you prioritise work with the customers in mind and make data-driven decisions to fix customer pain-points

  • Being able to work independently on customer problems is a key to success - you take responsibility and end-to-end ownership of your projects: drive and own them to make sure we hit the goals we want to achieve

Additional Information

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: 111K - 145K GBP + RSUs

  • Wise Benefits

#LI-AB3 #LI-Hybrid

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

  • 5+ years of experience in Java, Kotlin, Python or Go
  • Strong experience with Spring framework
  • Experience with relational databases
  • Experience with distributed and concurrent systems (Kafka)
  • Great cross-team communication and ability to champion technical topics with varied audiences
  • Experience with testing strategies such as unit and integration testing
  • Follow best coding practices, participate in code reviews and provide open feedback
  • Strong product mindset and focus on customer experience, data-driven decision making
  • Ability to work independently, take end-to-end ownership of projects
  • Strive to improve team culture and processes

What the Team is Saying

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Wise Compensation & Benefits Highlights

  • 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.
  • 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.
  • 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.

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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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