About the Position

We are looking for a Senior Backend Engineer to join the Account Sharing team within Wise’s Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers - including international joint accounts and kid accounts.

Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally.

This is a highly product-oriented engineering role where you’ll help shape products from the ground up. You’ll work closely with Product Managers, Designers, Data Analysts, and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.

Responsibilities

Building international joint accounts for globally distributed users
Expanding Wise kid accounts into additional markets
Creating shared finance experiences that work across borders
Designing scalable backend systems for high-growth consumer products
Developing features around shared spending, sending/receiving money, and account customization
Collaborating on customer discovery and product iteration
Scaling infrastructure and improving reliability across multiple markets
Building greenfield financial products from concept to production

Requirements

Proficient in backend programming languages such as Java, Kotlin, Python, or Go
Strong experience designing asynchronous, reliable, and scalable systems within microservice architectures
Comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process
Strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers
Deep care for customer experience and understanding of how technical decisions impact end users
Comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction
Write clean, maintainable, well-tested code and care about long-term scalability and reliability
Strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams
Comfortable operating independently while also contributing to a collaborative team culture

Nice to Have

Experience building greenfield products from scratch
Experience working on international consumer products
Experience with payments, financial systems, or compliance-heavy environments
Experience building systems at global scale
Familiarity with event-driven architecture and messaging systems such as Kafka
Experience with customer-facing financial products
API-first development experience

We Offer

Starting salary: £111,000 - £145,000 + RSUs
Wise Benefits

About the Company

Wise is a global technology company, building the best way to move and manage the world’s money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world’s money.

For everyone, everywhere.

More about our mission and what we offer.

Additional Information

Interested? Find out more:

For everyone, everywhere. We're people building money without borders - without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.

Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.

Senior Software Engineer II - Backend (Java) - Account Sharing

Job description