Senior Software Engineer (Lending Team)

sumup; São Paulo; On-site; BRL 180,000 - 300,000; Full time

Benefits offered by this job

Health plans

Meal vouchers (VR)

Zenklub

Wellhub

Life insurance

Childcare allowance

Annual education budget

Break4Me – 30 days off after 3 years

Employee stock program

Job summary

SumUp is launching a brand-new lending product for small Brazilian merchants. As a Senior Software Engineer, you will anchor a new squad with full technical ownership and autonomy to shape decisions in a fast-moving, regulated market.

You will design onboarding (KYC, Open Finance), lead repayment integration, and build the end-to-end lending workflow—from credit assessment to servicing and collections—while enabling fast, reliable credit decisions.

Qualifications

• 6+ years in software engineering with focus on backend systems.
• Proven experience designing and owning complex distributed systems end-to-end.
• Strong knowledge of Open Finance or Open Banking integrations.
• Proficiency in Golang; comfortable with Java/Kotlin/Python/Ruby as needed.

Responsibilities

• Build the onboarding journey for non-SumUp customers, including KYC and Open Finance data integration.
• Own the repayment integration with the Open Finance partner and Bank squad.
• Deliver the lending product end-to-end from credit assessment to servicing and collections.
• Power the credit decisioning by linking Open Finance data to underwriting models.

Skills

Distributed systems

Open Finance integrations

Golang

Java

Kotlin

Python

Ruby

Ambiguity tolerance

Product from scratch

Tools

PostgreSQL

Job description

At SumUp , we believe small merchants are the heartbeat of our communities. By joining the Lending tribe , you'll help launch a new financing product designed for the roughly 50 million registered and informal sole traders in Brazil who currently can't access affordable credit.

As a Senior Software Engineer , you'll be the technical anchor of a brand new squad, operating with real autonomy. This is a role for someone who's energised by ambiguity, comfortable owning hard decisions without a playbook to follow, and excited to help shape a lending product from the ground up in a fast-moving, regulated market.

What you'll do

• Build the onboarding journey: Design and build the onboarding experience for non SumUp customers, including KYC and Open Finance account and income data integration
• Own the repayment integration: Lead the technical relationship with our Open Finance partner alongside the Bank squad
• Deliver the product end to end: Build the core lending product experience, from credit assessment through to servicing and collections
• Power the credit decisioning: Connect Open Finance data to underwriting models to support fast, reliable credit decisions
• Set the technical direction: Make high impact architecture calls with minimal guidance, and coach mid level and entry level engineers
• Navigate the regulatory landscape: Partner closely with the Bank squad, Compliance, and our Open Finance external integration partner on Open Finance requirements in Brazil

What makes you a great fit

• Have experience designing and owning complex distributed systems end to end, ideally backed by around 6 years in software engineering
• Have strong knowledge of Open Finance or Open Banking integrations, gained from working inside a bank, fintech, or another regulated financial product
• Feel comfortable working in Golang on backend systems, with the flexibility to work confidently in another language such as Java, Kotlin, Python, or Ruby
• Can identify gaps and ambiguity early, weigh up tradeoffs, and drive decisions without waiting for perfect information
• Shares excitement about building a new product from scratch and exploring unfamiliar territory rather than maintaining something established

Why you should join SumUp

• Global Experience : Collaborate with a diverse team of 3,000+ people from over 90 countries, and join our global off-sites and hackathons.
• Collaborative Culture: Join a team that values diversity, innovation, and teamwork, where your ideas and contributions truly matter.
• Career Growth : Be part of a global team working on large-scale fintech products used by millions of businesses.
• Great Benefits : Health plans, meal vouchers (VR), Zenklub, Wellhub, life insurance, childcare allowance, and more.
• Learning & Development : Access an annual budget of R$ 10,000 for education, certifications, and conferences.
• Time Off : Enjoy 30 additional days off through our Break4Me program after 3 years at SumUp.
• Grow with Us: Participate in our virtual stock program and benefit from SumUp's success with company shares.

Learn More About SumUp

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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.