Backend Engineer - Account Sharing

the opportunity to influence both technical architecture and product direction while helping Wise expand into a strategically important area of consumer finance. What will you be working on? Key focus areas for the team are: 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 You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including: Send/receive money flows Spend experiences Authorization systems FinCrime-related systems Shared account infrastructure What do you need? You know how to build scalable distributed systems and deliver customer-facing products used by millions of users. You are proficient in backend programming languages such as Java, Kotlin, Python, or Go . You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures . You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process. You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions — not just implement them. You care deeply about customer experience and understand how technical decisions impact end users. You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction. You write clean, maintainable, well-tested code and care about long-term scalability and reliability. You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams. You are 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 Interested? Find out more: How we work – a practical guide DEI @ Wise Wise Tech Stack (2025 update) See what it's like to work at Wise London! Our Engineering career map Wise Engineering – https://medium.com/wise-engineering   What do we offer:  Starting salary: £111,000 - £145,000k + RSUs Wise Benefits #LI-AB3 #LI-Hybrid 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 . 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 .