Senior Software Engineer (Payments - Pluto Connect)

Pluto is a modern financial operating system for global businesses. We combine global payments infrastructure with intelligent workflow automation to provide businesses with unparalleled insights, control, and automation over their spending.

Pluto is a venture-capital funded startup backed by top-tier Silicon Valley investors and built by folks from some of the best technology institutions in the world -- Google, Shopify, Square, Uber, PayPal, Cash App, Digital Ocean, Y Combinator, and more

We are reinventing corporate finance for the modern age and are solving challenging problems in the B2B payments space. With a stronghold in Dubai and sights set on expansion, we're now looking for a seasoned senior software engineer to help shape our next chapter

• Design and develop Pluto Connect - our embedded spend management platform for banks and financial institutions

• Play a pivotal role in architecting and building critical payment processing, ledgering, and financial reconciliation systems

• Architect and implement robust integrations with various payment rails and banking APIs

• Lead the development lifecycle of features and work streams from design to deployment

• Become a voracious problem solver who can tackle difficult issues on tight timelines, manage cross-functional dependencies and set an exemplary bar for engineering within the organization

• Write and maintain clean, maintainable and testable code, leveraging design patterns and architecture where appropriate

• Participate in code reviews, pair-programming sessions and provide constructive feedback to peers

• Develop a strong understanding of the domain and bring a deep product and design mindset while building solutions

• 5+ years of professional experience as a software engineer (with a focus on payments/fintech)

• Extensive experience in developing and integrating with banking and card scheme protocols

• Experience in working with third-party APIs and integrating external financial services into backend systems

• Mastery in at least one programming language (e.g Kotlin, Java, Go, Scala, Rust)

• Deep understanding of relational and non-relational databases and distributed systems

• Strong grasp of SQL and relational data modelling

• Experienced with API design and development (e.g GraphQL, REST, RPC)

• Experience in designing and developing scalable, secure and reliable backend systems.

• Strong understanding of SDLC, software design principles, architectural and integration patterns

• Strong problem-solving skills and ability to analyze and debug complex software systems

• Excellent communication and collaboration skills, with the ability to work effectively in cross-functional teams.

• Previous work experience in the banking or fintech

• Familiarity with financial industry frameworks and technologies such as payment gateways, transaction processing systems, or financial messaging protocols (e.g ISO 20022, ISO8583, SWIFT, SEPA, or Open Banking APIs)

• Familiarity with cloud platforms such as AWS or Azure and experienced in deploying and managing applications in a cloud environment.

• Experience with Kubernetes or other container orchestration platforms

• Experience with JVM tuning, configuration & metrics

• Frontend: React, TypeScript, GraphQL

• Backend: Kotlin, GraphQL, Temporal

• Database: Postgres

• Infrastructure: AWS, Azure, Kubernetes, Terraform

• Observability: Datadog, Cloudwatch, Lightstep

At Pluto, we live by the following core values:

• Work like a lion, not like a cow 🦁

• Directly Responsible Individuals (DRI): We empower team members with autonomy to own their projects and outcomes fully, fostering a culture of accountability, clarity and outsized impact. As the DRI you are the driver of success for your projects — proactively identifying, communicating and mitigating risks and resolving blockers to ensure success.

• Clear Communication: At Pluto, we emphasize clear, transparent communication as fundamental to our success. We strive for clarity, succinctness and transparency in all interactions, ensuring that every message is articulated clearly and understood universally across our teams. This commitment to clarity reduces misunderstandings and fosters a more productive environment especially for distributed teams.

• Systems Thinking & First Principles Reasoning: We love to deconstruct problems and innovate from the ground up. By understanding complex systems and questioning assumptions, we are able to develop creative solutions to difficult problems.

• Fact-centric: We are intentional about questioning our assumptions, and bringing the facts to focus by diving into the data, quick-fire experimentation & swift prototyping. We make room for varied perspectives & calibrate our goals with metrics that track our progress, and accurately reflect reality.

• Competitive compensation & stock options so you have skin in the game

• Remote-first work environment

• We'll ship you a new MacBook

• Monthly fitness benefit

• Home-office budget

• Discretionary learning budget