Senior Backend Engineer - Money Transfers

We believe in the everyday hero. Those who have the courage to follow their passion and who have the strength and determination to realise their dreams. Small business owners are at the heart of all we do, so we're creating powerful, easy-to-use financial solutions to help them run their businesses. With a founder’s mentality and a 'team-first’ attitude, our diverse teams across Europe, South America and the United States work together to ensure that small business owners can be successful doing what they love. At SumUp, the Global Bank team builds the core infrastructure and services that give merchants a digital bank account, helping small businesses manage their money easily and reliably.  The Balance Management Squad sits at the core of the Global Bank Platform. Right now, our team is completing a major milestone: consolidating and modernizing our balance management system in Europe. The next big step is creating a global transaction history service; a single, shared platform used by all regions to give merchants consistent and transparent views of their financial activity. As a Backend Engineer, you’ll help modernize existing systems while balancing innovation with stability, collaborate with teams across regions, and build reliable services that manage diverse markets with different regulations. If you enjoy solving complex problems on high-load systems, are curious about banking, and are looking for a team that tackles challenges head-on, we’d love to hear from you. What You’ll Do * Build and evolve the SumUp’s core banking services that powers ledger operations and transactions, transforming our regional systems into a unified, scalable global platform. * Tackle complex distributed systems challenges, ensuring resilient services that continue to perform under high transaction volumes. * Support modernization initiatives by improving observability, adding test coverage, refactoring code for long-term maintainability, and gradually introducing new architectural patterns without disrupting live banking operations. * Contribute to key architectural decisions - build ledger and transaction history systems from the ground up, ensuring a globally scalable banking solution for our clients. * Collaborate with teams across Risk, Treasury, Finance, and Infrastructure to ensure smooth, compliant, and reliable global operations * Take ownership from design to production, running the services you build, monitoring their performance, and continuously improving how we deliver high-quality software at scale. You’ll be great for this role if * You have solid backend experience building reliable, high-volume services and you think carefully about system design, APIs, data modeling, and how services interact. * You are proficient in Golang and comfortable learning and working with other languages as needed, e.g. Kotlin or Elixir. * You write maintainable, well-tested code, follow CI/CD best practices, and take responsibility for the software you build from development to production. * You’re comfortable building, deploying, and running services in cloud environments like AWS using Docker and Kubernetes. * You’re eager to learn about relational databases that perform well under load and maintain data consistency. * You are a collaborator who enjoys working across regions, communicating clearly, exchanging feedback effectively, and making thoughtful technical decisions together. * You have a curiosity for building reliable financial services and banking domain It’s a plus if you have * Knowledge of Elixir - some of our legacy services are written in Elixir, and while it's not essential, it would be useful if you've worked with it before * Deeper PostgreSQL experience - we rely heavily on Postgres, so if you've done performance tuning, complex queries, or schema design, that's a plus * Experience with event streaming platforms (Kafka preferred) and modern observability stacks (Grafana, Honeycomb, etc.) Why you’ll enjoy working at SumUp * Be part of a company that values diversity and celebrates unique perspectives. * Work with a global team of skilled professionals in an environment that fosters collaboration, learning, and growth. * The opportunity to work on large scale fintech products used by millions of businesses around the world * You’ll receive 25 days’ paid leave, plus 1 additional day for each year of employment. * You can take up to 10 days’ educational leave to expand your skill set. * Career growth and learning opportunities: We invest in your development through regular training, mentorship programs, SumUp University leadership cohort and a yearly learning budget (2,000 EUR) * Enrollment onto our virtual stock ownership program - you will own a stake in SumUp’s future success * Access to the SumUp Sabbatical, our Employee assistance program for mental health * Join a global team where you belong: Check out our D&I Initiatives and Employee Resource Groups such as Pride Club, SumAfro, Neurodiversity, Grupos Mais, Women in Tech, and more * We offer additional health insurance, a subsidized Multisport card, free shuttle buses from Joliot-Curie metro station and other great benefits. * You’ll attend global offsites and/or hackathons About SumUp Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing a vast set of simple and affordable business tools to help them start, run, and grow their businesses. Today, over 4 million businesses in 36 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster an inclusivity and continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify. SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Explore career opportunities with us and join a team driven by collaboration, innovation, and a shared vision of creating a world where everyone can build a thriving business. Discover more about our vibrant and inclusive work culture and how we work on our careers website, and follow our journey on LinkedIn and Instagram. Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.

We believe in the everyday hero. Those who have the courage to follow their passion and who have the strength and determination to realise their dreams. Small business owners are at the heart of all we do, so we're creating powerful, easy-to-use financial solutions to help them run their businesses. With a founder’s mentality and a 'team-first’ attitude, our diverse teams across Europe, South America and the United States work together to ensure that small business owners can be successful doing what they love. ABOUT THE TEAM The Payments Reporting team sits at the heart of SumUp's financial infrastructure, building the systems that millions of merchants rely on every day to reconcile, report, and understand their money. We're in the middle of something genuinely exciting: building a reporting platform that serves both external integrators and internal teams at scale - delivering everything from file-based exports to real-time API reporting. This role exists because our ambitions have grown faster than our current team of three backend engineers can sustain alone, and we need someone who can take meaningful ownership of complex backend work, freeing the team to move faster on the architectural changes that matter most. What you'll do * Build and maintain backend reporting features across Payout Reports, Payment Reports, Fee Invoices, and Transaction Reports * Develop and own Reporting APIs (including Transaction History and Payout History) that serve both external integrators and internal clients * Contribute to the migration of core payments functionality away from legacy systems, modernising the infrastructure that underpins our reporting platform * Take ownership of the operational health of reporting services: monitoring, incident response, and performance optimisation * Participate actively in planning and refinement sessions, bringing technical assessments and effort estimations to the table * Support junior engineers through code reviews, pairing sessions, and knowledge sharing   YOU'LL BE GREAT FOR THIS ROLE IF YOU HAVE: * Strong experience building scalable, production-grade backend systems in Golang, with a solid grasp of concurrency patterns, goroutines, and channels * Deep familiarity with software design principles - SOLID, common design patterns, and microservices architecture - and the experience to apply them pragmatically * Hands-on experience with PostgreSQL or similar SQL databases, including query optimisation and database modelling * Confidence working in Kubernetes environments, configuring and managing resources  * Clear, confident communication in English - written and spoken - and a collaborative approach to engineering: giving and receiving feedback openly WHY YOU SHOULD JOIN SUMUP * 🌍 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our modern Sofia office. This involves an office-first setup * 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced * 🚀 Enrolment in our Virtual Stock Option programme: you will own a stake in SumUp's future success * 📚 A dedicated annual L&D budget of €2000 for your individual development, which you can be used to attend conferences and/or advance your career through further education * 🏖 Generous time off: 25 days of paid leave, plus one extra day per year of service (up to 35) * 🏥 Peace of mind: comprehensive health and life insurance - includes dental coverage * 💪 Stay active: on-site yoga and a co-sponsored Multisport card offering access to hundreds of sports facilities * 🍽 Meal support: benefit from a tax-free food voucher program (100 EUR per month) plus flexibility via our Re:Benefits platform (40 EUR) * 🚌 Easy commute: free shuttle buses connecting directly to Joliot-Curie metro station * 👶 Family-friendly: new baby bonus  * 🌴 Break4me: 1-month sabbatical after 3 years of service * 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team About SumUp Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 37 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify. SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok. 👀 Get a feel for our Sofia of...   Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.