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Senior Backend Engineer - Payments

Remote from SpainΒ·Full-timeΒ·Added 3 days ago

Pleo

11 open roles

Overview

Job details

  • Full-time hours

    Per the ad.

  • Fully remote

    Per the ad.

Requirements

  • Have the right to work in Spain

    Pleo doesn't mention sponsorship in the ad.

  • Work in English

    English is required, per the ad.

  • Have senior-level experience

    Senior-level role.

Pay & benefits

What you'll get

Show me the benefits!

πŸ’³ Your own Pleo card (no more out-of-pocket spending!)

🍜 Lunch is on us for your work days - enjoy catered meals or receive a lunch allowance based on your local office

πŸ₯ Comprehensive private healthcare - depending on your location, coverage options include Vitality, Alan or MΓ©dis

🌴 We offer 25 days of holiday + your public holidays

🏠 For our Team, we offer both hybrid and fully remote working options

πŸ–οΈ Option to purchase 5 additional days of holiday through a salary sacrifice

❀️🩹 We use MyndUp to give our employees access to free mental health and well-being support with great success so far

πŸ‘Ά Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work

Requirements

What we're looking for

You'll thrive in this role if you have:

  • Hands-on experience building payment integrations, bank APIs, payment scheme integrations, or financial messaging formats (ISO 20022, SWIFT, SEPA, Faster Payments, or similar).

  • Strong understanding of payment flows end-to-end: payment initiation, routing, reconciliation, settlement, and exception/failure handling.

  • Experience designing and operating highly available, resilient distributed systems with robust error recovery and observability.

  • Expertise in server-side development, ideally Kotlin or Java, with strong experience in microservices and distributed systems.

  • Proficiency with relational databases (PostgreSQL), cloud environments (AWS, Kubernetes), and observability tooling (e.g. Grafana).

  • Understanding of safeguarding of customer funds and the impact of money movement pipelines.

  • Strong problem-solving skills and experience owning production payment systems through incidents and operational complexity.

  • High proficiency with AI-enhanced development tools (such as GitHub Copilot or Claude) as integrated partners for system design, documentation, and code generation.

  • Willingness to deepen your AI fluency as Pleo scales AI adoption across engineering. We're building a culture where thoughtful AI use for delivery velocity and quality.

  • Proven ability to structure complex engineering problems for AI collaboration, including writing precise specifications, validating generated outputs, and iterative development.

  • A proactive drive to expand your AI fluency as we scale adoption to enhance delivery velocity and maintain high engineering quality across our organisation.

  • A collaborative mindset and the ability to mentor and upskill teammates.

Nice to have

  • Awareness of payment compliance and regulatory considerations (e.g. AML, sanctions screening, PSD2) is a plus.

The role

We're looking for a Senior Backend Engineer to join our Bank Infrastructure team at Pleo. This team builds and maintains the payment rails that power Pleo's money movement, integrating with banks and payment partners to handle inbound and outbound bank transfers reliably and at scale. You'll be working on some of the most critical systems at Pleo: the infrastructure that guarantees that each financial transaction, whether incoming, outgoing, or internal, is processed and settled with absolute accuracy, on time, and with the resilience to recover gracefully when things go wrong.

If you're excited by the challenge of building highly reliable financial systems and want to work in a culture that values transparency, collaboration, and engineering excellence, this role is for you.

What you'll do

As a Senior Backend Engineer on Bank Infrastructure, you will:

  • Design, build, and maintain integrations with banks and payment partners across multiple payment schemes (SEPA, Faster Payments, SWIFT, and others).

  • Own the reliability and correctness of inbound and outbound payment flows, including reconciliation, settlement, and exception handling.

  • Architect systems that are resilient to partner outages, network failures, and edge cases inherent in financial messaging.

  • Lead initiatives to improve system observability, fault tolerance, and operational excellence across payment rails.

  • Collaborate with cross-functional teams, including compliance, finance operations, and product to evolve Pleo's payment capabilities.

  • Participate in code reviews, post-mortems, and provide mentorship to other engineers.

  • Proactively address technical debt and guide the team through technical challenges and migrations.

How you'll develop in this role

In your first six months at Pleo, you'll:

  • Get deep into Pleo's payment rail architecture, understanding how inbound and outbound bank payment flows are built, monitored, and operated.

  • Take ownership of meaningful initiatives in the bank integration or payment operations domain and drive them from design to production.

  • Build relationships across the engineering organisation, contributing to code reviews and technical discussions beyond your immediate team.

  • Grow your expertise in high-reliability, mission-critical financial infrastructure while contributing to Pleo's broader engineering culture.

We're committed to supporting your growth, whether through expanding your payment systems expertise, stepping into broader architectural influence, or taking on technical leadership responsibilities as Pleo scales.

Hiring process

We want to ensure you are set-up for success and understand what will be expected of you. If your application is successful, our interview process is as follows:

  1. Intro call: A 30-minute chat with our Talent Partner to discuss the role and your background.

  2. Coding Interview (Multiple choice)

  3. System Design (whiteboarding session)

  4. Engineering Mananeer Behavioural Interview

Transparency is important to us so we also wanted to share some insights about what we're looking for in applications to ensure you can set yourself up for success!

Last time we hired this role, we received hundreds of applicants but could only speak with so many. Some of the key reasons why previous candidates didn't make it past the application screening stage include:

  • CV writing and content: we receive a lot of CVs, and many of them are AI-generated. We love seeing people leverage AI-it's a big focus for us internally too-but without human intervention, these CVs can sometimes become generic and fail to show a candidate in the best light. What we're really looking for is the specific details of real impact that only you know from your previous experience. A top tip from us is to use the "Achieved X, as measured by Y, by doing Z" formula (credit: Laszlo Bock, ~2014) to give a really clear picture of what you've worked on. A final note: including links to your previous companies' websites is a huge help and allows us to truly understand your background!

  • Application care: every single application we receive is reviewed by a human (yes, hundreds of them) because we believe that candidates' efforts should be matched by an equal level of human care. This means that we expect a similar level of attention put into your application. Read and answer the application questions carefully, they make a huge difference in our decision-making process.

  • Profile to role fit: highlight most important aspects of the role, points that might get misunderstood, any specific industry requirements etc.

About Pleo

Pleo is a Danish fintech company that provides smart corporate cards and automated expense management solutions for businesses. Founded in 2015, the company has grown into a major player in the European fintech space, with over 30,000 companies using its platform to streamline spending and simplify financial workflows. Pleo operates across multiple European markets and has raised significant funding, positioning itself as a leader in the spend management category.

In Spain, Pleo has established a presence in Madrid, where it supports its growing customer base and local operations. The company is known for its modern, employee-centric culture, with a focus on autonomy, transparency, and innovation. For international professionals, Pleo offers a dynamic, English-speaking work environment, competitive benefits, and the opportunity to work on cutting-edge fintech products in a rapidly scaling organization.

Industry
Fintech
Founded
2015
Employees
1,000–5,000
Headquarters
Copenhagen, Denmark
In Spain
Madrid
Website
pleo.io

Good to know if you are moving

  • Pleo has a strong international presence, with employees from over 80 nationalities, making it a welcoming environment for expats.
  • The company offers flexible remote work policies, allowing employees to work from various locations across Europe.
  • Pleo provides a comprehensive relocation package for international hires, including visa support and assistance with moving to Spain.
  • The Madrid office is a key hub for customer-facing roles, offering opportunities to work closely with the Spanish market.
  • Pleo is known for its strong focus on employee development, with regular learning and growth opportunities.

In their own words

About the company & team

Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we're changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike - with a vision to help all businesses 'go beyond'.

The word 'Pleo' actually means 'more than you'd expect', and living by that mantra has been the secret to our success over the last 10 years.

Now, we're at a pivotal moment in our journey; every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can't say we've got this whole thing figured out. And frankly, that's half the fun! What we can say is that we're a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together.

You'll report to the Engineering Manager for Bank Infrastructure and work closely with cross-functional teams spanning product, finance operations, compliance, and other engineering squads within Pleo's Payments organisation. Bank Infrastructure is foundational to nearly everything Pleo does, your work will have direct dependencies with and from Card Infrastructure, Credit, and beyond. You'll collaborate with partners across the business to shape how Pleo moves money reliably at scale.

Additional information

  • English first. Since it's our company language, please submit your application in English. You'll be using it a lot if you join us.

  • A fair look for everyone. Our talent team reads every single application to ensure the process is fair. To keep things running smoothly, we only accept applications through our system-our support team can't pass on calls or emails.

  • Diversity drives us. We can only reach our goals if our team reflects the world around us. That starts with you hitting apply, even if you don't tick every single box. We encourage people from all backgrounds and experiences to join us.

  • Interview at your best. We want you to feel comfortable throughout the process. If you have any accessibility requirements or need a specific format, email belonging@pleo.io. We'll design a process that works for you.

  • Your data is safe. When you apply, we process your personal data as a data processor. For more information on how Pleo processes personal data, read our Privacy Policy here.

  • Applying for multiple roles? Nothing is stopping you, and we assess every role independently. However, we do look for alignment, so make sure you can explain why your interest and experience are right for each specific role.

  • Reapplying. If you're applying for the same role again, please wait six months from your last decision before hitting submit.

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