Senior Product Engineer - Payments Team

Basic qualifications:

• 7+ years of product engineering expertise, with 4+ years dedicated to architecting complex payments systems. - Proven track record within a PSP, acquirer, gateway, or a high-scale platform payments team. - Broad practical expertise in deploying and troubleshooting production-level integrations across various PSPs, card acquirer ecosystems, and diverse payment rails. You possess deeply ingrained expertise in settlement processes, reconciliation, dispute management, 3DS2 protocols, high-pressure webhook management, and PCI compliance frameworks, including tokenization methods. - Strong backend mastery in Ruby on Rails, Kotlin, Python, Go, Java, or Node.js with the agility to ramp up on Ruby quickly. - Full-stack comfort: you can build the React interface for the payment flows you architect. - Deep expertise in architecting robust, resilient distributed systems, including double-entry ledgers, automated reconciliation pipelines, money movement state machines, idempotency, exactly-once semantics, event-driven architectures, webhooks, and reliable consumer patterns. - Direct production on-call experience, including authoring post-mortems and leading incident response. - Excellent written and verbal communication skills, including cross-functional collaboration experience, and the ability to thrive in a distributed, multicultural environment. - Pragmatic adoption of AI tools to optimize your engineering workflow, including the ability to mentor and train others on AI concepts. Technical Skills

• Strong background in cloud infrastructure (AWS/GCP), containerization, and modern CI/CD practices. - Experience in handling critical systems with precision: you will handle FX and multi-currency logic directly within the application layer. - Bonus: Direct card issuing experience, including BIN sponsorship, processor integrations, controls, and dispute handling. Preferred qualifications:

• Experience launching a new payment method or PSP integration end-to-end. - Experience building or operating a card issuing program. - Experience in marketplace or two-sided platform payments (split payments, payouts, escrow-like flows). ## You might not be the right fit if you:

• Your payments expertise is limited to high-level integrations like Stripe Checkout. We need someone who operates deeply beneath that abstraction layer. - You are hesitant to take full ownership of mission-critical money movement or participate in the on-call rotation when systems fail. - You prioritize greenfield development over the complex challenge of scaling and refining an existing system with significant transaction volume. - You are looking for a siloed IC position without the need for cross-functional collaboration or product-level discovery. - You require a rigid, pre-defined roadmap; we prefer to sharpen our strategy and direction as we scale the team. ## Benefits Section

• Competitive salary

• Generous "Time to Recharge" policy - enjoy unlimited paid time off to rest, recharge, and show up as your best self. - Work remotely for a maximum of 4 weeks per calendar year. - 2-week cross-functional onboarding program. - Annual team off-site (often somewhere sunny 🌊). - Cycle-to-work scheme (Swapfiets subscription) or commuting reimbursement. - Monday/Thursday team lunches and after-work social events. - Extensive paid family leave. - Three paid volunteer days per year - take time to give back to causes you care about, on us. - Cutting-edge equipment and tools to set you up for success. - Join an international, travel-loving team with a passion for adventure and innovation. We welcome applicants from all backgrounds, experiences, and perspectives. If you're excited about this opportunity and believe you're a good fit, we encourage you to apply and join us in transforming the travel industry!