Backend Engineer - Money Transfers

Join SumUp's Transfers Excellence squad within Global Bank, owning core services that power how merchants and consumers move money across IBAN-based transfers, money in/out, and peer-to-peer payments. You'll contribute directly to platform-level architecture replacing market-specific implementations with a unified global transfer platform serving Europe, the UK, Brazil, Chile, and eventually the US and Canada.

What you'll do

• Build and maintain backend services that sit at the heart of SumUp's transfer infrastructure, taking end-to-end ownership from development through to observability, testing and production support
• Contribute to the migration from market-specific services toward a unified global transfer platform, working across a mix of active services and legacy systems being decomposed
• Raise well-scoped pull requests, conduct thorough code reviews, and help maintain high standards of code quality and test coverage across the team
• Participate in incident reviews and the on-call rotation, taking accountability for the reliability of the services you build
• Contribute to the technical roadmap by participating in architectural discussions and proposing solutions for complex, distributed systems challenges
• Apply AI tooling to accelerate your own engineering workflows and contribute to raising the team's overall AI literacy

What you'll need

• Solid experience as a Backend Software Engineer in modern languages (e.g. Kotlin, Go, Java, etc.). Kotlin is the team's primary language.
• Solid understanding of distributed systems and event-driven architecture. Experience with async processing and messaging tools like Kafka (or similar).
• Experience working with microservice architectures, including Spring Boot and event-driven patterns, alongside solid knowledge of relational databases and API design
• Comfortable working in high-throughput, regulated environments where reliability matters. Defensive coding and attention to edge cases are part of the job
• Clear communicator in written and spoken English, with a collaborative approach to working across global teams
• Curious about the product impact, not just the code. Comfortable thinking about how backend decisions affect the end user experience.

What they offer

• Virtual Stock Option programme giving you ownership in SumUp's future
• Annual L&D budget of €2000 for conferences and professional development
• Corporate pension scheme matching up to 20% of contributions
• 28 days paid leave plus public holidays and special leave days
• 1-month sabbatical after 3 years of service
• Urban Sports Club subsidy, Kita placement assistance, subsidised office lunches, and referral bonuses