Senior Engineer - Financial Services

The Hub/Danske Bank; København; On-site; DKK 429,000 - 714,000; Full time

Job summary

Monta is seeking a Senior Engineer for the Financial Services team to own the architecture and delivery of complex financial systems across Europe. You will drive end-to-end invoicing, compliance infra, and payment flows in a fast-growing platform.

Use of AI tools like Claude Code is central to daily work, with collaboration across Finance, Legal, and Product to enable scalable, auditable solutions for monetary flows and cross-border operations.

Qualifications

• Strong backend engineering experience across production systems.
• Experience with financial systems such as invoicing, billing, payment processing.
• Proven ability to own architecture across multiple teams.
• Demonstrated ownership and drive to deliver outcomes.
• Advanced AI use in engineering workflows and problem solving.
• Excellent collaboration and communication with non-technical stakeholders.

Responsibilities

• Own the new invoice system end-to-end from design to production.
• Build and scale the compliance infrastructure for EU expansion (e-invoicing, VAT).
• Improve payment flows from card to payout and ensure reconciliation.
• Collaborate with Finance, Legal, Revenue Operations, and Product to deliver new models.
• Drive architecture decisions for auditable, scalable systems across markets.
• Mentor and elevate the Financial Services engineering team through reviews and knowledge sharing.

Skills

Backend engineering

Financial systems

Architecture ownership

Ownership mindset

AI adoption

Cross-team collaboration

Job description

up to 64,000 DKK/month gross (varies by seniority)

Intro

Monta powers the EV charging ecosystem. With 300,000+ monthly users and millions of charge sessions every month, our platform accelerates the electrification of mobility.

This is a fast-moving place. The problems are hard, the pace is quick, and the bar is high. If you like real ownership, figuring things out, and seeing the direct impact of your work, you'll do well with us.

AI is not a nice-to-have at Monta. It's how we work. Engineers use Claude Code daily. We ship faster, make better decisions, and stay lean because of it. We expect everyone to push the boundaries of what's possible with AI, not just use it passively.

Our principles keep us grounded: Build Together & Finish, Sweat the Details, Customer First, and Aim for the Moon.

The best part of Monta is the people: sharp, ambitious, and good to be around. You'll be challenged, supported, and trusted to deliver.

The Role

We're looking for a Senior Engineer to join our Financial Services team, the team responsible for every euro that flows through Monta's platform. This is a hands-on, senior individual contributor role where you'll own the architecture and delivery of complex financial systems, working across teams to ensure we can scale reliably as we expand across Europe.

Financial Services is at an inflection point. Our transaction volume is growing fast and already processes millions of euros each month. We're building the next generation of our financial infrastructure, including new billing models and compliance capabilities to support expansion into new EU markets. The problems are hard, the stakes are real, and the work matters.

We need someone who takes full ownership of what they build. Not someone who waits for direction, but someone who sees what needs to happen, drives it forward, and delivers. You will own projects end-to-end, from technical design through to production, and you'll be accountable for outcomes, not just output.

You should also be someone who has embraced AI as a core part of how you work. We use Claude Code extensively across the Financial Services team for everything from writing and reviewing code to designing systems and exploring financial domain problems. We expect you to be an advanced AI user who actively finds new ways to leverage these tools to move faster and think better.

This Is What You Will Achieve

• Redesign Monta's financial backbone. You'll architect and build the new invoicing system that every customer will use, replacing the current infrastructure with a foundation built for serious scale.

• Unblock EU expansion. You'll build the compliance infrastructure (e-invoicing, fiscalization, VAT) that enables Monta to enter new European markets.

• Strengthen the money flow. You'll improve the reliability and scalability of payment processing, reconciliation, and withdrawal systems across a rapidly growing transaction volume.

What You Will Do

• Own the new invoice system end-to-end. Design and deliver a new invoicing architecture that supports multiple billing models and financial flows as the business scales into new markets.

• Build and scale compliance infrastructure. E-invoicing across European markets. Fiscalization integrations. A VAT engine that handles the complexity of cross-border EV charging.

• Improve payment flows from card to payout. Card payments, automated reconciliation, withdrawal reliability, and working capital management.

• Collaborate across Finance, Legal, Revenue Operations, and Product to deliver new billing and commercial models. You won't work in a silo.

• Drive architecture decisions for systems that must be right. Every euro must be traceable from summary down to line item. You'll design for auditability, correctness, and scale.

• Elevate the team around you. Contribute to the growth of the Financial Services engineering team through code reviews, design discussions, and knowledge sharing.

What We're Looking For

• Strong backend engineering experience. You've built and maintained production systems at scale. Java/Kotlin preferred, but strong engineers from other stacks are welcome.

• Experience with financial systems. Billing, invoicing, payment processing, or similar domains where correctness and reliability are non-negotiable.

• Proven ability to own architecture across teams. You don't just write code, you shape systems. You've led technical design for complex projects that span multiple teams.

• A strong sense of ownership. You take responsibility for outcomes, not just tasks. When something needs to happen, you make it happen. You don't wait to be asked.

• Comfortable navigating ambiguity. Regulatory landscapes shift, business models evolve, and priorities change. You bring structure where there is none.

• Curiosity about financial infrastructure. Invoicing, VAT, compliance, payment flows. You don't need to be a domain expert on day one, but you're eager to go deep.

• Advanced AI adoption. You already use AI tools daily in your engineering workflow and you're always looking for new ways to apply them. You don't just accept suggestions, you prompt deliberately, iterate on output, and integrate AI into how you design, build, and debug.

• Strong collaboration and communication skills. This role sits at the intersection of engineering, finance, legal, and product. You build alignment fast and communicate clearly with non-technical stakeholders.

Bonus:

• Experience with EU financial regulations, e-invoicing standards, or fiscalization

• Experience with payment service providers or payment infrastructure

• Familiarity with event-driven architectures (Kafka) or high-throughput data processing

We expect you to bring a strong opinion on how to use AI effectively in engineering. If you've built custom workflows, pushed the limits of agentic coding, or found creative ways to use LLMs in your development process, you'll fit right in.

AI at Monta Engineering

• AI is central to how we build software at Monta. It's not a side experiment. It's embedded in our daily work and we expect every engineer to be a power user.

• Tools we use daily:

• Claude Code for writing, reviewing, and refactoring code, exploring domain problems, and building internal tooling

• Claude / Gemini for research, design thinking, and documentation

• Notion AI for docs, knowledge management, and meeting notes

• AI-enhanced testing and monitoring

We expect you to bring a strong opinion on how to use AI effectively in engineering. If you've built custom workflows, pushed the limits of agentic coding, or found creative ways to use LLMs in your development process, you'll fit right in.

Why Monta

• Impact, not easy mode. Your work matters, and you'll feel it every day.

• Ownership from day one. We don't micromanage, we expect you to deliver.

• The people are extraordinary. Talented, driven, and fun to work with. You'll be challenged, supported, and inspired in equal measure.

What We Offer

• A yearly education budget and extra days off to use it.

• A friendly and social company culture with movie nights, Friday bars, pub crawls, and more.

• Free lunch every day.

• Pension & health coverage to keep you secure for today and tomorrow.

• Paid parental leave to support life's big moments.

• Warrants program - be part of our growth story.

• Flexible working hours; as long as you're at key meetings and delivering great work, we trust you to manage your schedule.

To succeed in this position, your spoken and written English skills need to be proficient. Since Monta is a globally active company, you'll be communicating often and regularly with our co-workers and partners around the world, making your professional English knowledge essential.

Find out more by visiting https://monta.com/uk/careers/