Software Engineer, Account Discovery

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London, Greater London, England, GBR
Hybrid
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
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’re hiring a Backend Engineer to join our Account Discovery team — the primary gateway into Wise.

This team powers the dashboard customers see when they first log in. We turn account activity into clear, fast, reliable summaries and deliver contextual, personalised recommendations that help customers discover new ways to manage their money with Wise.

What you’ll build

  • Backend services that generate near real-time account overviews (recent actions, balances, key events) that are easy to understand and trust.
  • Recommendation and discovery capabilities that are personalised, context-aware, and measurable.
  • APIs and supporting systems that make the dashboard fastconsistent, and available across devices and regions.

You will build the backend behind Wise’s first-screen experience high-scale, low-latency services that stay fast under heavy traffic. Balance real-time freshness with rock-solid correctness, and deliver personalisation at scale that’s genuinely useful.

You’ll also tackle distributed systems complexity (resilience, failures, retries, idempotency), enable experimentation and measurement (A/B testing, instrumentation), and engineer with security, privacy, and compliance baked in from day one.

This is a chance to join an established, high-impact team where your work directly helps millions of customers make better financial decisions based on their account information- every day.

Qualifications

What do you need?

  • You have software development experience (preferably using Java)

  • 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

  • Great communication skills and the ability to articulate complex, technical concepts to non-technical audience

  • Experience working with relational and non-relational databases, query optimisation and designing schemas

  • You enjoy writing clean and testable code

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

  • Experience with CI/CD pipelines and Distributed and Concurrent Systems

 

Additional Information

What you get back:

  • 🚀 RSU's in a growing company 

  • 💪 An annual self-development budget

  • ❤️ Statutory maternity leave, with a perk of 18 fully paid weeks of parental leave for birth or adoption

  • ❤️ Paternity leave for 18 weeks at full pay

  • 🌿 3 fully paid ‘me days’ per year to help you manage life

  • 🌍 Relocation and visa expenses covered 

  • 🏝️ A paid 6-week sabbatical leave after four years 

Find out more about our benefits in our London office.

Interested? Find out more:

  • 👀 How we work – a practical guide

  • 📹 Wise Vlogs: Omar, Engineering Lead 

  • 💻 Wise Tech Stack (2025 update)

  • 📈 Our Engineering career map

…or check out our Engineering blog.

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.

What the Team is Saying

Surendra
Smrithi
Pavan
Jennifer
Lindsay
Lauren

Wise Compensation & Benefits Highlights

  • Leave & Time Off Breadth Global minimum of 33 paid days off (36 in U.S. hubs) plus a 6‑week paid sabbatical every four years and extras like volunteer or “Me” days indicate substantial time‑off depth.
  • Parental & Family Support A global minimum of 18 weeks fully paid parental leave for birth or adoption after one year, along with adoption and fertility support, underscores robust family support.
  • Flexible Benefits Work‑from‑anywhere up to 90 days per year after six months and flexible working principles provide notable geographic mobility and scheduling latitude.

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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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