At SumUp, we believe small merchants are the heartbeat of our communities. By joining the Lending tribe, you'll help launch a new financing product designed for the roughly 50 million registered and informal sole traders in Brazil who currently can't access affordable credit.
As a Senior Software Engineer, you'll be the technical anchor of a brand new squad, operating with real autonomy. This is a role for someone who's energised by ambiguity, comfortable owning hard decisions without a playbook to follow, and excited to help shape a lending product from the ground up in a fast-moving, regulated market.
What you'll do- Build the onboarding journey: Design and build the onboarding experience for non SumUp customers, including KYC and Open Finance account and income data integration
- Own the repayment integration: Lead the technical relationship with our Open Finance partner alongside the Bank squad
- Deliver the product end to end: Build the core lending product experience, from credit assessment through to servicing and collections
- Power the credit decisioning: Connect Open Finance data to underwriting models to support fast, reliable credit decisions
- Set the technical direction: Make high impact architecture calls with minimal guidance, and coach mid level and entry level engineers
- Navigate the regulatory landscape: Partner closely with the Bank squad, Compliance, and our Open Finance external integration partner on Open Finance requirements in Brazil
What makes you a great fit
- Have experience designing and owning complex distributed systems end to end, ideally backed by around 6 years in software engineering
- Have strong knowledge of Open Finance or Open Banking integrations, gained from working inside a bank, fintech, or another regulated financial product
- Feel comfortable working in Golang on backend systems, with the flexibility to work confidently in another language such as Java, Kotlin, Python, or Ruby
- Can identify gaps and ambiguity early, weigh up tradeoffs, and drive decisions without waiting for perfect information
- Shares excitement about building a new product from scratch and exploring unfamiliar territory rather than maintaining something established
Why you should join SumUp
🌍 Global Experience: Collaborate with a diverse team of 3,000+ people from over 90 countries, and join our global off-sites and hackathons.
🤝 Collaborative Culture: Join a team that values diversity, innovation, and teamwork, where your ideas and contributions truly matter.
📈 Career Growth: Be part of a global team working on large-scale fintech products used by millions of businesses.
💙 Great Benefits: Health plans, meal vouchers (VR), Zenklub, Wellhub, life insurance, childcare allowance, and more.
📚 Learning & Development: Access an annual budget of R$ 10,000 for education, certifications, and conferences.
🌴 Time Off: Enjoy 30 additional days off through our Break4Me program after 3 years at SumUp.
💸 Grow with Us: Participate in our virtual stock program and benefit from SumUp’s success with company shares.
Learn More About SumUp
🇧🇷 Office tour at São Paulo
💡 Ask me anything: Engineering at SumUp
🚀 SumUp’s Innovation Hackathon
🤝 Get to know our hiring process
Ready to Join us?
Apply now and help us shape the future of financial solutions for small businesses
Job Application Tip
We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.
Skills Required
- Experience designing and owning complex distributed systems end to end
- Approximately 6 years of software engineering experience
- Strong knowledge of Open Finance or Open Banking integrations
- Experience working in a bank, fintech, or other regulated financial product environment
- Strong backend development experience in Golang
- Ability to work confidently in another language such as Java, Kotlin, Python, or Ruby
- Ability to make technical decisions amid ambiguity and evaluate tradeoffs
- Interest in building new products from scratch
SumUp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about SumUp and has not been reviewed or approved by SumUp.
-
Leave & Time Off Breadth — Paid time off is positioned as a standout, including 22 vacation days that increase with tenure, public holidays, a quarterly Wellness Day, special leave, and a fully paid one‑month sabbatical after three years. This combination makes time-off benefits feel notably robust in the overall rewards package.
-
Healthcare Strength — Health coverage is described as comprehensive, with medical plan options (including carriers such as Cigna and Kaiser) plus dental and vision. Company-paid life insurance and disability coverage are also part of the protection package in the U.S. materials.
-
Retirement Support — Retirement benefits include a published 401(k) match formula that provides an employer match up to a stated cap. The clarity of the match structure supports straightforward evaluation during offer comparisons.
SumUp Insights
What We Do
SumUp believes that every business should have access to affordable, easy-to-use financial solutions, no matter their size. That’s why more than 3 million businesses worldwide rely on SumUp to run their business. What started out as one card reader has now turned into a range of payment hardware, banking solutions, marketing, and loyalty tools, invoicing, and so much more. From sales and marketing to product and engineering, our cross-functional US team works together to ensure that small business owners can be successful doing what they love.
Why Work With Us
SumUp USA is part of the global SumUp organization that stretches across multiple continents from Berlin to Sao Paulo. Our teams are multicultural, have a collaborative mindset and bold goals. Join our mission if you want to become part of the success story and help empower over 3 million merchants using SumUp already!
Gallery
