Backend Engineer - Payments

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.

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.

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.

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.

Show me the benefits!

💳 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

🏥 Comprehensive private healthcare - depending on your location, coverage options include Vitality, Alan or Médis

🌴 We offer 25 days of holiday + your public holidays

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

🏖️ 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

👶 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

The interview 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:

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:

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

• 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.